davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

this is my 2nd request sending XXXX, XXXX, and Equifax a letters requesting documentation of the alleged late payments pertaining to 15 usc 1666, and a certified letter that was sent out 21 days before any alleged late payments was posted ( 15 usc 1637 ) 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

they have violate the TILA and requesting the account be updated to paid as agreed, never late or Deleted from my consumer report they are reporting inaccurate information as well, see attachment - 15 USC 1666e ( b )
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX  XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-05-14
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. (PA)

XXXX XXXX XXXX is reporting a credit card on my credit report and to which there were late payments on this account. This account at one point did have a balance which I paid to just have removed from my credit since XXXX XXXX bank would not fix this issue. The payment was returned to me saying this account was fraudulent. XXXX XXXX XXXX  will not remove this account from my credit although they have returned payments to me saying this account is fraud. I have disputed this as fraud multiple times off of my credit which they said they do not find it related to fraud.
Consumer complaint received 2024-05-14
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. (PR)

I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 
1. I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT. V GRAVENS ( MO ) 281 SW715, 719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I contact XXXX, Equifax and XXXX to have my personal information corrected. Which include name corrections, address and remove out dated information. XXXX updated the information without hesitation. XXXX and Equifax would not perform the request.
Consumer complaint received 2024-04-27
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account iam asking you to verify, account name, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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. (CA)

XXXX XXXX, XXXX, Equifax had fail to verify accurate information on my credit report I was told today by a supervisor XXXX XXXX  that XXXX XXXX dont investigate accurate information the Information given to them by the person is actually their truth without thoroughly investigating as a vital role in assembling and evaluating. which is a violation to my right to privacy. I never consent for anything to be reported to my credit profile not to the credit agency or the creditor. You must respect my right to privacy. When does company policy ever trump federal law. Because no consent equal to identity theft. 


Under 15 USC 1682a, you are required to conduct a reasonable investigation within 30 days of receiving a dispute from a consumer. I expect a prompt response and resolution to this matter in accordance with the law.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. 

This organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently induced suicidal ideation ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

This agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 

Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer. 

In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of their agency. This is because I did not provide written consent for them to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).
Consumer complaint received 2024-05-15
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 sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed again my XXXX, XXXX and Equifax 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 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (FL)

since XXXX this company is been charging me {$540.00} for an account that doesn't belong to me. I called them and disputed this account and nothing has been done. On XX/XX/XXXX they charged me again {$560.00} which does not belong to me. I asked them for the agreement contract which I haven't received
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-11-17
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. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-27
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: ERC (CA)

VICTIM OF XXXX DATABREACH PERSONAL INFO WAS HACKED AND STOLEN I HAVE LETTER TO PROVE. THIS ACCOUNT DOES NOT BELONG TO ME AND WASNT OPENED NOR SIGNED TO AUTHORIZE.
Consumer complaint received 2023-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-05-17
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)

According to FCRA 605B, I believe we need to remove any incorrect accounts from my credit report. Could you verify the documents? Several of the listed accounts have inaccuracies in their reporting, including incorrect amounts and dates.
Consumer complaint received 2024-07-25
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. (CA)

On XX/XX/year> i contacted XXXX about the fraudulent activity on my report and the XX/XX/year> they responded by stating they investigated the matter which was not done according to the codes, which is to reach out to the original creditor and not the debt buyer which was what XXXX did, the debt buyer must show the forward flow agreement, and where i had where they had signed my wet signature. The debt buyer does not have first hand knowledge so therefore the alleged debt is deemed invalid. XXXX did not provide me with the evidence information on the XXXX through XXXX XXXX to the company in question, which is required by law. I want to know how XXXX communicated with the company. I need all above mentioned information in order to accept their determination.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hi my name is XXXX XXXX, and this is the only name that should be on my credit report not any other name. 

Also my only address that should be on file is XXXX XXXX XXXX XXXX fl XXXX. There should not be any other address on file.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Dear Citibank, I am writing to bring to your attention a malfunction that occurred at one of your ATMs located at XXXX XXXX XXXX, XXXX, New York XXXX on XX/XX/2022 at XXXX. The ATM ID is XXXX. 

On that day, I attempted to deposit {$3700.00} into my account using the ATM. However, the machine stopped working during the transaction and did not complete the deposit. I immediately contacted your customer service department to file an investigation. 
I was informed that there was only {$50.00} found in the machine and I was credited with {$50.00}. I then spoke with the branch manager and was told that the investigation would continue. However, I received a response later that there was no deposit of {$3700.00}.

I am extremely dissatisfied with the outcome of the investigation and the lack of assistance provided by your customer service and branch manager. The malfunction of the ATM caused me great inconvenience and financial loss. I strongly urge you to take appropriate measures to ensure that such incidents do not occur in the future. 

I look forward to hearing from you soon and hope that you will take appropriate action to rectify this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-17
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)

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 2024-07-30
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. (AL)

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 15USC1681.15 U.S.C1681 section 602 A States I have the right to privacy.15USC1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.15USC1681c. ( 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 XXXX years.15 USC1681s-2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Subject : Comprehensive Request for Revision : Late Payment Entry to be Marked as Current Dear [ Credit Reporting Agencies ], In the ongoing matter concerning the disputed late payment entry on my credit report, I am advocating for an extensive resolution. Specifically, I request that the late payment entry be revised to reflect a current status.

In accordance with the legal doctrine of estoppel by silence, as exemplified in the case of XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX, I have not been furnished with any evidence substantiating the alleged debt. Consequently, I am compelled to presume that no such proof of debt exists, thereby negating the existence of said debt altogether. 

It is imperative to uphold the utmost accuracy and integrity of consumer reports, as mandated by the Fair Credit Reporting Act ( FCRA ). Therefore, it is essential that my credit report accurately reflects my financial standing, devoid of any inaccuracies or unsubstantiated claims. 

I assert with conviction that the current status of the late payment entry is unwarranted and fails to align with the facts. Hence, revising the status to reflect a current, up-to-date depiction is not only equitable but imperative to uphold the principles of fairness and transparency in credit reporting. 

In the event that the pursuit of this resolution encounters obstacles, I reserve the right to pursue alternative avenues to rectify this discrepancy. It is paramount that my credit report accurately represents my financial status, without any unjustified or unverified entries. 

I implore your esteemed agencies to undertake a thorough review of this matter and take prompt action to effect the necessary revisions. Your cooperation in resolving this issue expeditiously is greatly appreciated.
Consumer complaint received 2023-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One is reporting inaccurate latenesses on my consumer credit profile from XX/XX/XXXX through XX/XX/XXXX on my capital one account ending in XXXX. When my accounts was in a Deferred/ Forbearance status. In addition, to Latenesses reported from XXXX XXXX XXXX As youre aware Section 4021. Of the CARES ACT states SEC. 4021. CREDIT PROTECTION DURING COVID19. ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$150.00} ; XXXX XXXX XXXX XXXX : {$9700.00}.