davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Equifax does not show mortgage : Opened in XX/XX/XXXX, mortgage holder : XXXX/XXXX  XXXX. 

XXXX and XXXX are both showing this mortgage. 

Disputed with Equifax, first, a few weeks ago ( in between XX/XX/XXXX and XX/XX/XXXX ), when I signed up for a service called " XXXX XXXX '' and noticed that Equifax was not showing the mortgage, but I never received a response from Equifax. The credit reporting service ( either XXXX XXXX, XXXX, or XXXX ) offered a recommendation that I was lacking and needed " relevant '' or " current '' real estate loans to show on my credit reports. 

XX/XX/XXXX, I attempted to check Equifax status, but I could only find where it said my dispute had " expired. '' XX/XX/XXXX ( today ), I attempted to make contact with Equifax through its website, but I only receive a message that my account is locked and that I should contact them directly, but it is unclear as to how to do this. 

This may have a negative impact on my credit which concerns me a great deal, or at least it does not have a positive effect, as I have never missed or been late with a payment. 

Thank you.
Consumer complaint received 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$950.00} XXXX In accordance with the Fair Credit Reporting Act, These Accounts have 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 an account without my written instructions 15 U.S.C 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
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. (LA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XX/XX/XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. XX/XX/XXXX) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXXXX/XX/XXXXA 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 2024-05-20
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. (OH)

All unapproved credit pulls have been requested to be reviewed and removed. They refuse to do so. My information has been breached and I am not authorizing these pulls. They refuse to confirm the validity of the pull or how they were authorized. They do not protect my information or operate per law.
Consumer complaint received 2024-05-21
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. (TX)

This account was charged off on the following date, XX/XX/year>. Since then, the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. The account is also reporting on my credit report for more than XXXX years. This inaccurate information FALSELY manipulates the statute of limitations. You failed to investigate this account proper and your neglect has violated my rights. I am demanding a deletion of the following account immediately.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I reviewed my report snd noticed fraudulent activity on there please remove all fraudulent accounts as it is hurting me from obtaining credit as well as violation. 
and according to 15 USC 1681s-2 they are suppose 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. it is frustrating!!!
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-22
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: CIT BANK, NATIONAL ASSOCIATION (GA)

After carefully reviewing my credit report, I noticed an unauthorized inquiry from your company. I have not given your company permission or reason to run my credit. I've sent numerous letters requesting any proof that supports this unauthorized inquiry. You have not responded, so you must contact the credit bureaus and request that the inquiry be removed.
Consumer complaint received 2019-03-27
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: EQUIFAX, INC. (PA)

Multiple fraudulent accounts were opened in my name, XXXX and XXXX. I was able to close the XXXX but not the XXXX one right away. Person spent XXXX on the XXXX   card. Person apparently has all my information including social security number. Every time i try to report to XXXX or equifax, it says that it can not process my request. It is so difficult to solve these problems but so easy for other people to create them. My credit score has went down 30+ points due to this. Inquiries i did not authorize went through. I use the XXXX XXXX app and thought it would be easier, but this makes it more difficult. All companies are giving me the run around.
Consumer complaint received 2023-08-09
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-11-14
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: True Link Financial, Inc. (NY)

Nothing happened yet, because I have not activated the card due to excessive fees associated with activating and using it, A pooled trust company, XXXX XXXX XXXX, orders the card for me to pay XXXX related expenses. This card replaced the previous card which had no expenses associated with it. 
If needed I will file a complaint separately with the state of NY Dept. of Finance & taxes.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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, 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-20
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)

I recently reviewed my consumer report and discovered that there are still unauthorized inquiries present. Despite previously contacting Equifax to request a reinvestigation, the issue remains unresolved to this day. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
15. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
16. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-05
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. (WV)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place.
Consumer complaint received 2024-01-24
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXXXXXX {$470.00} XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX NAMES NOT RECOGNIZED XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-21
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. (LA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2019-11-20
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: EQUIFAX, INC. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2024 Transunion through XXXX XXXX is reporting XXXX XXXX ph # ( XXXX ) XXXX adr.XXXX XXXX XXXX XXXX, XXXX , NC XXXX XXXX XXXX XXXX Ph # ( XXXX ) XXXX adr. XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Ph # ( XXXX ) XXXX XXXX XXXX XXXX XXXX ph # ( XXXX ) XXXX ( reported on my account 2x ) these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval. 

On XX/XX/2024 XXXX through XXXX XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX ph # ( XXXX ) XXXX XXXX PH # ( XXXX ) XXXX XXXX XXXX PH # ( XXXX ) XXXX XXXX XXXX XXXX  Ph # ( XXXX ) XXXX XXXX XXXX Ph # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Ph # ( XXXX ) XXXX these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval.
Consumer complaint received 2024-05-21
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. (TX)

Disputed Collection Account - XXXX To Whom It May Concern : The following collection has violated my federally protected consumer rights. 

I am writing to dispute the collection account that is erroneously appearing on my credit report. This alleged debt from XXXX was sold to XXXX XXXX XXXX, but I never signed any agreement authorizing this debt or collection actions. 

Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector may not use unfair practices when collecting a debt, including falsely representing the character, amount, or legal status of the debt ( 15 U.S.C. 1692e ). Furthermore, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies must ensure maximum possible accuracy of the information contained in a consumer 's credit report ( 15 U.S.C. 1681e ( b ) ). 

Since I never agreed to or authorized this alleged XXXX debt via any signed contract or agreement, any collection actions are invalid. The collection account on my credit report is therefore inaccurate and must be removed immediately, in accordance with the FCRA 's accuracy requirements. 

Reporting information that you know or have reasonable cause to believe is inaccurate and failing to correct inaccurate information after notice is a violation of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ) ). 

If you do not promptly remove this collection account from my credit report, I will have no choice but to file a lawsuit against for violations of the FCRA and FDCPA and seek actual damages, statutory damages, and attorney 's fees. 

To protect my rights under federal law, I demand that you remove the inaccurate XXXX collection account from my credit report within 30 days. I look forward to your prompt attention to this serious matter.