davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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. (AZ)

Hello on XX/XX/24 I submitted a request to equifax to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
Consumer complaint received 2024-01-22
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned about : XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (PA)

CB/VICSCRT IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY IN A COLLECTION STATUS AND STILL TRYING TO COLLECT. I even submitted a cease and desist. I Attach the letter too and they could not provide the promissory note of this alleged debt.
Consumer complaint received 2024-01-22
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)

According to XXXX XXXX, since XX/XX/XXXX, a late payment with XXXX XXXX ( Creditor ), a financier foXXXX XXXX reported a late payment to the credit bureaus that are not accurate. The credit bureaus reported a late payment from XXXX XXXX that are not accurate. This resulted in XXXX points. 

XXXX  were ordered from XXXX ( XXXX ) back in XX/XX/XXXX. Nothing was received and I followed up on XX/XX/XXXX, and there was no response from customer support whatsoever. I received an automated email that XXXX was undergoing a lawsuit between XXXX XXXX. I stopped payments due to a stop in treatment. 

After being followed up with by XX/XX/XXXX, approximately five months later, regarding my XXXX XXXX and finally being provided next steps in my treatment plan, I then paid the balance due, up-to-date, to XXXX XXXX. 

Therefore, the late payment reported is not accurate and needs to be removed. 

Since XX/XX/XXXX, Equifax removed a collection as a result of a dispute, but deducted XXXX points for a small increase in a closed account XXXX XXXX XXXX XXXX 

XXXX points and XXXX points for a small and yet inaccurate report is a very drastic drop and should be investigated on the competence and level of compromise in mishandling credit reports and the misuse of them by the credit bureaus, along with the measure in which they calculate such deductions.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681.

In accordance with the fair credit reporting act XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX  XXXX DPT EDXXXX # 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-08-31
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. (MI)

I MADE A PAYMENT FOR MY LEASE ACCOUNT IN XXXX. THE PAYMENT WAS RETURNED DUE TO MY INSURANCE BEING AUTO DEBITED WHICH I WAS UNAWARE OF. I CONTACTED XXXX BUT THEY HAD ALREADY MARKED MY ACCOUNT AS LATE, AFTER 30 DAYS. I HAVE HAD THIS LEASE ACCOUNT FOR GOING ON 3 YEARS AND HAVE NEVER BEEN LATE BEFORE AND ASKED COULD IT BE REMOVED AS A COURTESY AND WAS TOLD THAT I WOULD HAVE TO FILE A COMPLAINT. I THOUGHT THAT INFORMATION WAS INCORRECT SO I CALLED BACK AND THE LADY ( XXXX ) THAT I SPOKE WITH STATED THAT SHE WOULD PUT IN A REQUEST BUT THAT I ALSO HAD TO FAX OVER A LETTER. I HAVE MADE 3 ATTEMPTS TO GET THIS RESOLVED AND REMOVED AND I AM JUST GOING IN CIRCLES WITH THIS COMPANY. NOBODY EVER CALLS BACK AND OF COURSE NO ONE EVEN KNOWS WHO XXXX IS. THIS HAS BEEN NOTHING SHORT OF A NIGHTMARE.
Consumer complaint received 2024-01-21
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. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Ham attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 

XXXXXXXX XXXX Report Date : XX/XX/2024 Account Number XXXX XXXX XXXX, XXXX. 
Report Date : XX/XX/2024 Account Number XXXX  XXXX XXXX XXXX XXXX Report Date : XX/XX/2024 Account Number XXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/2024 Account Number XXXX XXXX XXXX XXXX Report Date : XX/XX/2024 Account Number XXXX XXXX XXXX XXXX XXXXXXXX XXXX Report XXXX : XX/XX/2024 Account Number XXXX XXXX Collections XXXX XXXX Report Date : XX/XX/2024 Account Number XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Public Records Report Date : XX/XX/2024 REFERENCE NUMBER : XXXX
Consumer complaint received 2024-01-22
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 received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

My complaint is regarding the credit reporting agency Equifax. Around XX/XX/XXXX I began not receiving an Equifax credit score. I was informed of this upon receiving a denial for a mortgage. The information provided was that the company was unable to provide me with a score. 

I then reached out to Equifax to see why this is happening. After a while of back and fourth on the phone, the support staff assured me in XXXX days this would be fixed. After a few more months goes by I checked online through their portal where I received an error code BLNK and informed me to contact Equifax which I did. 
I let them know I was still unable to review my score and I was receiving this error. 
I was again reassured that the problem had been corrected on their end and it will take a few days. Well this went on for another year constantly calling Equifax explaining the same problem and it was always something different. They say they can see my Report and score on their end, which they did provide me with a copy of the report last time I called early XXXX this year. However my information and score is still unavailable for banks, services or myself to see. 

The last time I spoke with them early XX/XX/XXXX they said to send in verification of where I live and who I am. Which I did. I then received a letter stating everything was complete on their side. To this day nothing has been corrected. I am Not able to buy a house and I am Denied credit for agencys that pull from Equifax. This is hindering my every day life but not having a score available for other institutions. 
My other XXXX major reports are just fine its only Equifax. It appears no one from Equifax is able to assist and understands what is going on. While searching this online it appears this is a common problem and needs support. Online forums refer to this as the Equifax split file. 

Please help I am going on my third year doing this and I was hoping this could be fixed without taking more of a legal action.
Consumer complaint received 2023-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Cloarly atates that 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 an account without my written instructions.

16 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account Immadiately as you are in direct Violation of several lawe under The Fair Credit Reporting Act
Consumer complaint received 2024-05-01
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 believe FCRA 605B necessitates the removal of any erroneous accounts from my credit report. Could you review the documents? Several accounts listed contain inaccuracies in their reporting, including incorrect amounts and dates.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

( Account name XXXX Account number XXXX ) This account was written off as a charge off but I never received a XXXX cancellation of debt form and because of this, this account is reporting inaccurate and has to be removed. 

I tried numerous times to get this removed from my credit report from XXXX, Trans Union and XXXX and have been unsuccessful.
Consumer complaint received 2024-01-21
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. (LA)

I review credit report and notice XXXX department of XXXX appears with duplicate accounts same balance and different account number. I tried to contact department of XXXX and credit beaura about the issue they stated it will take 30 days dispute instead it remained the same as accurate and 29 duplicate accounts still on my credit report. So I contact department of XXXX about the accounts again they did submitted documents with adjustment made for cancellation and removed off my credit report with only 13 accounts in good standard, all 13 accounts paid in full, XXXX and {$0.00} balance but credit beaura didn't respond. So now it's under investigation and planned to hire a legal aide lawyer to resolve this matter.
Consumer complaint received 2023-05-01
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: LEXISNEXIS (CA)

I am writing this complaint to LEXISNEXIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction
Consumer complaint received 2024-01-22
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. (PA)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN GDIR CEO XXXX  of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this account immediately
Consumer complaint received 2024-01-21
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. (CA)

My information was sold and bought illegally because I was a victim of the Equifax XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX OF XXXX Reported : XXXX XXXX, XXXX Balance {$5000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX Balance {$5000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) You have 100 % left to pay on this student loan. 

XXXX XXXX OF XXXX XXXX {$6900.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX XXXX  Balance {$6800.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX XXXX  Balance {$11000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX XXXX Balance {$4500.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX Balance {$5700.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX Balance {$5700.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX Balance {$5100.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX Balance {$7000.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX Balance {$8200.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX {$750.00} Balance {$750.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) XXXX  XXXX Balance {$250.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX Balance {$3500.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$260.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX Balance {$310.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos )
Consumer complaint received 2024-01-21
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. (NJ)

I am a natural person I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the account listed below me be removed ( XXXX XXXX date opened XX/XX/2018 ) because According to 15 USC 1681 : I have the right to Privacy and I did not give Equifax written permission to furnish these accounts. 
noticed an account on my equifax and XXXX report from XXXX XXXX that I never opened. My wallet was stolen back in XX/XX/ and I see the account was opened XX/XX/ so Im guessing thats when someone got my information. Or when equifax had their data breached. I had this account already removed from XXXX, I have it under dispute with XXXX already and I disputed this with equifax in XXXX and its still on.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Fraudulent charges were made to these accounts : 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 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (TX)

XX/XX/2022 sent in letter to have automatic payment setup was not executed per my request. 
XXXX did not apply payments and did not setup the auto pay. 
spoke with XXXX in XXXX, got the form from him, and set it in to the company directly. 
They could not make a payment plan after making exactly 1/3 payment of total bill. 
Had to call in to make that payment. 
The card services you call into is in XXXX, and they do not understand when you explain the problem to them. 
They are not interested in helping to resolve the issue and will continue to report to credit companies as past due even with it being their error.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX