davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

During the period of XXXX and late XXXX I went through identity theft and due to this troubling experience I got canceled by a credit card company they were aware of the situation and stil decided to close my account and now Im having this issue on my credit report
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, 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. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ), XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-06-30
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 inaccuracies on my credit report related to five alleged debts that Equifax claims are valid. Despite my good faith efforts to resolve this matter, Equifax continues to report these accounts, which I have identified as being due to identity theft. An FTC report is attached to this complaint. Equifax is expected to adhere to the contents of this report and take appropriate actions accordingly.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've always made sure that payments on this account are made promptly, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
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. (PA)

I believe FCRA XXXX mandates the elimination of any erroneous accounts from my credit report. Can you review the documents? Some of the accounts listed contain inaccuracies in terms of reporting, including incorrect amounts and dates.
Consumer complaint received 2024-05-07
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm this details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 
According to 15 USC 1681s-2 they are supposed 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

A one time late payment was reported on my credit report recently. I was making payments for over five ( 5 ) years and this was the first late payment reported. There was only a remaining balance of {$2300.00} roughly. I didn't realized the car payment had matured and thought I had time to make the payment. Dealing with COVID, working less hours and my daugther returning to college I managed to keep up with the payments, sometimes late, but never to late to be reported. Shortly after my credit score dropped by over 100 points I gathered the funds to pay the loan off on XX/XX/year>. I am humbly asking for assistance in having this late payment remove from my credit report. 
Thank you for your king assistance with this matter. 

Best regfards, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

I received an Alert from Experian on XX/XX/year> that my previously frozen account ( for YEARS ) was now ACTIVE. ( I thought that email might be a scam. ) When I went into my account via their website, it was indeed, active. I DID NOT authorize the Unfreeze. I suspected that they may have been hacked since THEY are the reason that I started freezing my accounts due to their data breach years ago. I called the 2 numbers that I could find on their website. Both are automated, can not handle anything beyond their minimal menu. There is NO WAY to reach a " real person '' even though their website indicates otherwise, nor any means to file a complaint or inquiry. I think that is an intentional obstruction on their part. 

I have since put a Freeze on my account again.
Consumer complaint received 2023-04-10
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or remove them immediately in my report : 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 card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

My commitment to punctual payments is unwavering. However, I'm puzzled by the occasional reporting of late payments by this company, which doesn't align with my meticulous record-keeping. USC 1666b underscores the importance of promptly rectifying billing errors and accurately reflecting payments.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have received the acknowledgement of identity theft of myself on XX/XX/year> from above-mentioned office. However, today, I received another letter from the office/person in charge addressed XXXX XXXX XXXX, XXXX, GA XXXX. It is in its credit file on XX/XX/year> with confirmation # XXXX. This document states that I made some dispute which I did not know at all. After more than half a year, I struggled with your company, Equifax, and other credit report companies over my identity and its theft. And I already have many questions and concerns the services or whatever I have received from these companies. Therefore, there is no reason to claim your company that I have made some disputes to your company on unreliable information. Please investigate by yourself over this dispute from unknown person. 
Sincerely,
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

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 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-06
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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT. THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT...
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I found out the creditor didn't give the required XXXXday notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

I have several strong credit reviews from XXXX XXXX XXXXXXXX Well Fargo and other cards that said I could prequalify which is a lie because they hurt my credit and it is not fair to give false information between prequalifying and sending a forced credit application
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I look at my credit report during the last XXXX month 's straight. XX/XX/year>, XXXX, XX/XX/year> XX/XX/year> and now XX/XX/year>. I noticed there is a lot of inaccurate and incomplete information on my report that has keep my score low. I sent a letter to XXXX on XXXX 2024 asking them to investigate the completeness and accuracy. 

I didn't receive a response from them at all they didn't even try to fix it. They are breaking the Federal Law by not investigating the situation.

According to 15 U.S.C 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure accuracy of the information being reported concerning the individual about whom it is reporting on or relates to. 

So, I then asked XXXX for the description of the investigation according to 15 U.S.C 1681i ( 7 ) : ( 7 ) Description of the reinvestigating procedures. 
A consumer agency should provide to a consumer within the guidelines of said description and methods they have not showed.
Consumer complaint received 2024-05-06
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. (FL)

whom it may concern, upon further revien of my credit report, there appears to be five out of six hard inquiries on my report in which I did not authorize or give permission for nor do l recognize them out of the six the only one l recognize is the XXXX  XXXX XXXX for when l opened my account with them. 


Inquiry details THAT WHERE NOT OF MY KNOWLEDGE OR AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I 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 2024-05-06
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 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 2023-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

XXXX XXXX XXXX billing did not bill US Dept of Labor, Office of workers Compensation for the XXXX transport charges resulting from an on the job injury. 
XXXX XXXX XXXX, billing under the name of BullCity Financial SOL, charge of {$800.00} was incurred as a result of an on the job injury. I have spoken with the company on numerous occasions to provide the online billing information that the US Dept of Labor office of Workers Compensation utilizes to remit payment. 
The previous company representatives were not competent enough to remit bill to DOL OWCP automated system. The new company took over XXXX XXXX XXXX. I submitted all of the DOL OWCP billing information to the new company to no avail. The representative assured me that the billing will be submitted. The charges are still showing on my credit report and I am not liable for the charges that DOL OWCP has assumed liability of. 
I also shared the DOL representative information to contact, if they needed assistance with the this. XXXX XXXX XXXX This billing has dragged on and I have been negatively affected on my credit for years due to their inefficient billing system.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

I have a home improvement loan with Well Fargo. I have bill pay set up through my personal bank, XXXX XXXX XXXX to issue a payment every XXXX week XXXX {$110.00} ( {$230.00} per month ) to Wells Fargo. My monthly payment due to Wells Fargo is {$230.00} per month. I received a call from Wells Fargo sometime in late XXXX and the representative stated I was past due. I was confused since I pay every XXXX weeks, so technically I should be ahead. The representative eluded to me that this started back in XXXX of 2023. She stated XXXX of my payments posted before the next billing cycle started so they applied it to principal reduction, which caused my XXXX payment to be short. I then was charged a late fee and each payment that was applied thereafter would have a late fee of {$40.00} taken out ( Paid first ) so this would cause my monthly payment to be shorted. As you could guess, this snowballed into me being shorted each month and paying Wells Fargo a $ XXXX late fee each month which has accumulated to over {$300.00} in fees. Keep in mind that I'm still paying every XXXX ( XXXX ) weeks. I asked WF to correct this payment allocation and refund my late fees and correct any negative credit reporting as of XXXX of 2023. They refused and stated they have the right to charge the fees and would not be correcting anything.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of Identity Theft. Today I noticed Fraudulent Hard Inquiries on my credit report, that I never applied for. Frauds applied to banks in order to get loans or something.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Therefore, my position is being clearly stated, hard inquiries that listed below do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 

The list of XXXX XXXX Inquiries : XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX Please remove these inquiries from my credit report. I hope for your kind understanding and quick consideration. Thank you! 

Sincerely, XXXX XXXX