davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
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 am writing to formally dispute the charge-offs reported by your companies to the credit reporting agencies regarding the accounts listed below : Account Number : XXXX XXXX Account Number XXXX Closed Status : Account charge off. {$12000.00} Account Number : XXXX XXXX XXXX Account Number XXXX Closed Status : Paid in settlement. {$810.00} Written off Under 15 U.S. Code 1692, I never provided written consent to furnish or obtain my personal information related to these accounts. According to the Fair Debt Collection Practices Act ( FDCPA ), any information furnished must be accurate and compliant with legal requirements. The inclusion of these charge-offs on my credit report is unauthorized and constitutes a violation of my rights under federal law. 

Furthermore, I reserve the right to utilize the arbitration process to seek compensation of {$1000.00} for each negative item reported without my written consent. The inaccuracies on my credit report have caused undue harm and financial distress, and I intend to hold your companies accountable for these violations.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I looked at my XXXX, XXXX and Equifax credit report on XX/XX/XXXX and notice some things that are incomplete and not accurate. First thing first the account in question is with XXXXXXXX XXXX XXXX XXXX the account numbers on XXXX is XXXX, the account number on XXXX is XXXX and Equifax is XXXX. As you can see the account numbers are not the same on all three of the credit reports. Another inaccuracy on this XXXX XXXX XXXX XXXXXXXX notice is the fact that the comment section on each report is different, XXXX comment section states purchased by another lender, XXXX comment section has nothing stated and Equifax comments states Charged off Account. This does not match up on all three reports..Another inaccuracy is the fact that the date of last activity for the XXXX XXXX / XXXX account does not match up on all three accounts. The date of last activity on XXXX is XXXX XX/XX/XXXX, on XXXX is XX/XX/XXXX and on Equifax its XX/XX/XXXX. All three dont match another violation. 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 1681i5 they are suppose to do this [ 5 ] Treatment of inaccurate or unverifiable information [ A ] in general, after any reinvestigation under paragraph [ 1 ] of any information disputed.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

in accordance with the fair act credit reporting act XXXX account ending has violated my rights. 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 usc 1666b a creditor may not treat a late payment on a credit plan as late for any purpose. i was held accountable for a late payment on my credit i was charged a late fee and paid XXXX XXXX XXXX unlawfully.
Consumer complaint received 2024-01-12
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)

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I AM A VICTIM OF IDENTITY THEFT
Consumer complaint received 2024-06-09
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)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Do Not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they did not provide me with the original contract as requested I would like my credit report to be corrected in regards to these negative reports
Consumer complaint received 2024-02-01
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. (CA)

Experian is incorrectly reporting a XXXX credit score of XXXX as of XXXX XXXX XXXX Experian customer service has not resolved issue as of XXXX calls on XXXX XXXX XXXX They disconnect the call when the issue is mentioned after providing SS number, so they are not allowing the recording to process. Second phone call went through. Experian credit report of XXXX account shows an XXXX report indicating XXXX XXXX XXXX XXXX We filed a dispute to remove this company months ago, and XXXX, Experian , and XXXX all removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  responded with a letter removing outdated account created due to identity theft. 

Documents included : XXXX Credit Report showing XXXX credit report, no inquiries, no late accounts, and no XXXXXXXX XXXX XXXXXXXX. 
Incorrect Experian report of XXXX credit account, showing XXXXXXXX XXXX XXXX and XXXX XXXX XXXX of XXXX.
Consumer complaint received 2024-03-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (PA)

I purchased a {$200.00} Visa gift card from XXXX on XX/XX/24 at XXXX EST. My daughter tried to use it in XXXX on XX/XX/24 and the card was declined. I called Vanilla XXXX and they told me that a claim has already been placed on the card and the card would not be useable. They told me to send copies of the front and back of the card and a color copy of my ID to XXXXincommXXXX. I didnt understand why my ID was needed and was not comfortable giving this information. I called the XXXX where I purchased the card and they said they couldnt help me that I had to deal with the gift card company.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-06-09
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)

Equifax has illegally REINSERTED ( 6 ) accounts without providing proper notice to XXXX XXXX ( ME ) in violation of the FCRA. 
I disputed via CFPB # XXXX and received results on XX/XX/XXXX stating : Trade : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating the ( 3 ) accounts were Deleted and NOT CURRENTLY reporting on my Equifax credit report. ( See XXXX ) Additionally, I disputed via CFPB # XXXX and received results on XX/XX/XXXX stating : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating all ( 3 ) were DELETED and NOT CURRENTLY reporting on my Equifax credit report.

Unfortunately these account are currently reporting on my Equifax credit report today XX/XX/XXXX. I am a subscriber to credit monitoring service.

My initial disputes both times were submitted because my PRIVACY RIGHTS have been violated!

FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a CREDIT REPORTING CAN NOT furnish an account without written instructions from the consumer.

Equifax has illegally REINSERTED these 6 accounts listed above and additionally in ( Screenshots attached ) Equifax FAILED by illegally REINSERTING the accounts without proper notice being sent to me. 
ALL ( 6 ) of the accounts intially were disputed because ALL of the accounts were illegally PUBLISHED / FURNISHED in violation of FCRA 602 and FCRA 604 ( a ) ( 2 ) thereby in violation of my privacy because Equifax failed to attain written instructions from XXXX XXXX ( ME ) Federally Protected Consumer who is fully aware of my consumer rights that these 6 accounts should not at any point have been PUBLISHED/FURNISHED without my Permission/Consent and or WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I applied for a home loan with Bank of America for a purchase loan but I had a seller credit for $ XXXX and was told that I could not do that. The seller was crediting me back the money to fix the sewer line. They told me I could not receive a seller credit that exceed closing costs, what I read online was you cant get cash back, if you dont have 20 % more in down payment. I was putting 40 % down, with the seller credit it would have 37 %. I decided to forgo financing and paid cash. I then applied to get delayed financing through B of America, since the previous loan was approved. Although, Im not sure why they would offer delayed financing if they dont want customers getting cash back on a purchase transaction. Delayed financing is a refi of your cash purchase with no title seasoning., They told me they could use the loans documents from the previous file. Unfortunately, they couldnt, they required new documents and appraisal. I was in the process of remodeling the kitchen before moving in and I had the sewer line fixed. They had to drill into the floor in the kitchen. The appraisal was delivered XX/XX/XXXX. My lock expired on XX/XX/XXXX. B of a year s now telling me that it requires 10 days to close a loan from the time the appraisal is received. This was never communicated and now they are charging me an XXXX of point to extend because they always require 10 days. If I would have know that up front, I would have not locked or I would have moved the remodel until after the financing was completed. I did a refinance with last year, they didnt require 10 days then. I would like for CFPB to look into the mortgage practices and see if this happens to other customers.
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (GA)

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
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. (OH)

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 FCU Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : Chapter 7 Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-06-09
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. (AZ)

I recently did an investigation on my credit report which caused severe XXXX upon me. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Equifax didn't ensure these accounts were reporting 100 % correct. Equifax has continued to show no regard for and disrespect for the law. 

In accordance with the Fair Credit Reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Equifax stated that the XXXX accounts ( XXXX : XXXX XXXX : XXXX ) were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! 

As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-09
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. (VA)

PLEASE DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. 

EQUIFAX : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$24.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$24.00} XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-09
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)

XXXX I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX Pl, XXXX XXXX, Texas XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
**Details of Disputed Entries : ** - Creditor Name : XXXX XXXX XXXX Account Numbers : XXXX - Dates of Unauthorized Reporting : XXXX XXXX XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 

Since I never gave consent for this information to be reported, I am requesting that these entries be removed from my credit report immediately. Please take the necessary actions to investigate this matter and correct my credit report accordingly.

Pursuant to 15 U.S. Code 1681n, civil liability for willful noncompliance, any consumer reporting agency or furnisher of information that fails to comply with the requirements imposed under this section may be liable for actual damages, punitive damages, and attorney fees. I urge you to take this request seriously and ensure that my rights as a consumer are protected. 

I also request written confirmation that these entries have been removed from my credit report and that you have informed the creditors involved about the removal due to lack of consent. 
Thank you for your prompt attention to this serious matter. Should you need any further information or documentation, please do not hesitate to contact me.
Consumer complaint received 2024-06-08
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)

I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (CA)

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 U.S.C 1681. XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXXDEPT OF EDUCATION/XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX15 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 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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Greetings! It appears that despite submitting an FTC report # XXXX, there are still ITEMS left that needed to be removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.