davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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. (FL)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX XX/XX/XXXX Social : XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX fraudulent account XXXX XXXX XXXXXXXX. fraudulent account XXXX XXXX XXXXXXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney XXXX XXXX in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XX/XX/2022
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. (LA)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> and XXXXPlease investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late this has caused me a great deal of pain to see the list of my consumer laws that have been violated 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 me you all have broken the law and caused me great harm here are all the laws you have broken 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681s-2 - Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXXACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX
Consumer complaint received 2023-08-17
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am in the process of buying a home and the underwriter pulled my credit report and noticed an account that ( XXXX ) is not reporting accurately and ( XXXX ) is not should not be on my credit reports at all. The account is showing me to have an outstanding balance when in fact I don't have a balance at all. The consumer reporting agencies have a legal requirement and obligation to ensure that all information is reported with 100 % complete accuracy. This account does not have an outstanding balance or any past due payments. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payment and an outstanding balance. Please note that I dispute the validity of this debt in its entirety. I request verification, validation, and proof that this alleged debt and related account belong to me. Additionally, I require evidence of a contract or agreement with the original creditor, signed by all relevant parties. Your attempt to collect this debt and the money associated with it is illegal as I do not owe it. XXXX XXXX or XXXX XXXX is contractual law and requires an agreement where the non-custodial parent is enrolled into the program. Provide the contract bearing my signature between myself and the head of the XXXX XXXX XXXX or XXXX. Without a contract, there is no legal duty. It is unlawful to advertise any debt to coerce payment. Cease harassing me as it is severely impacting my mental health. I am disputing the following account : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ). 
This is an official dispute of this account, and I demand the deletion from my consumer report. Again, I do not believe that I owe this money for the above-mentioned reasons. I paid it in good faith as it is currently prohibiting my family and I from purchasing a home for us. Attached is proof of payment in the form of a money order and a receipt from the cashier of the XXXX XXXX XXXX XXXX XXXX XXXX. If the information can not be verified according to the law, I demand this account be permanently removed immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Not able to submit disputes online from Equifax website is always down regardless when I try to do it. 
Incorrect information in my credit file and due to this security questions hard to pass bc these accounts are not mines
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2019-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (FL)

On XX/XX/XXXX I accept an offer before XX/XX/XXXX of using there 0 % interest free check until XX/XX/XXXX. On XX/XX/XXXX I notice a interest charge of {$120.00} from the promotional check. I called Us Bank on XX/XX/XXXX and spoke to 3 different people and all they can said to me the promotional didnt applied me to because I was late 2 times with payment. I said to them nowhere does it stated it on the promotional checks. They told me I have to look into my credit card agreement and that it was stated on there. I contacted them through email to request a copy of the credit card agreement and was sent one about a week later, I read it and now where does it say that. On XX/XX/XXXX I Paid my entire balance off including the interest charge from XX/XX/XXXX bill and called Us Bank to close my account. On XX/XX/XXXX my statement was email to me with another {$170.00} interest charge on it, for a {$10000.00} check that was suppose to interest free until XX/XX/XXXX has been charge {$300.00} and maybe more charges for XX/XX/XXXX bill.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NY)

I attempted to login to my savings account with Marcus Goldman Sachs on Monday, XX/XX/XXXX and discovered the account was locked. When I called to get the account unlocked, I learned that my account had been closed and they were unable to tell me why. The customer service representative suggested I read the possible reasons on the Marcus website FAQ, but none of those reasons apply. I was also unable to confirm my balance at the time of closing, which is concerning because the customer service person mentioned there had been several failed attempts to access my account. I was not provided any timeline for when I would receive my money, just told to " check the mail ''. My balance as of a few days ago was {$30000.00}, this is not an amount of money that I can just hope arrives safely in the mail.
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. (NC)

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 2024-08-20
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: ENOVA INTERNATIONAL, INC. (TX)

I have obtained the loan with Netcredit in XX/XX/2023. I paid on time and sometimes I was late. Netcredit was on point reporting every single late payment. I have paid off this loan in XX/XX/XXXX and there have not been ANY positive credit bureau reporting. it is XX/XX/XXXX and the last report was submitted on XX/XX/XXXX stating that I'm over the limit and past due. But the loan is at XXXX balance now. I have contacted them and filed the investigation through the credit agency and through Netcredit. Netcredit is NOT providing me with any updates. They state that they report every XXXX of each month but it doesn't look like they reported positive balance. this is hurting my credit scores in a very bad way. 
Please take a look and let me know WHY the company would not report to a credit agency when they are supposed to.
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (TX)

Carvana - I applied for a loan and was approved. I then chose a car, filled out the rest of their required paperwork. They asked for the down payment and I paid it. They required that I add the car to my insurance 2 days before delivery of the car which I did and paid it. They came back AFTER I was approved and paid XXXX XXXX  dollars and said they wanted additional information. I did not have the additional information. It was NOT an upfront requirement. They then told me they were pulling my approval. They now have my money and I now have to wait at least 7 days for their money to clear the bank and then be reimbursed and I have to wait for the insurance company to reimburse what I paid for the new insurance. I need a car TODAY and can not go buy one because CARVANA has my money. They should NEVER force a consumer to pay until they are 100 % approved! I believe they have false advertising! I met EVERY SINGLE REQUIREMENT to purchase the car. I was well qualified and have never missed a payment. What they wanted was NOT one of their guidelines!
Consumer complaint received 2024-08-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

I've had a Marcus Internet Bank account for many years and have been depositing and periodically withdrawing monies without problems. Last deposit for {$20000.00} in XXXX XXXX had no problem. In XXXX I bought ETFs via my XXXX account and tried to transfer {$100000.00} from XXXX which initially went thru on XX/XX/XXXX, letting me make the trades. Unfortunately on XX/XX/XXXX, XXXX reversed the transfer to XXXX. XXXX notified me of that while XXXX never contacted me. When I called XXXX and gave them all the identification security info, ( last XXXX digits of S.S #, secret password, date of birth, cell phone #... ), that they have asked same for years, they now claimed my account is suspended and they need to reverify if I am the same person! They claim they can not use my drivers license because NY State does not allow it. I supposedly will get a phone call ( on same number which they have certified me before vis SMS txt ) in XXXX business days to figure out how to confirm my identity. On XXXX search there are hundreds of the same exact tactics Marcus is using to keep peoples monies or prolong possible withdrawals. Its an outrageous ploy.
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. (NY)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. These information is injuring my consumer report and I request that you correct these information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing are as follows : 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-09-18
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. (IL)

I have received a copy of my credit report, and Im disputing the following information that appears on my Trans Union report. 
XXXX XXXX XXXX XXXX has fraudulently reported on my Trans Union record. I am a victim of identity theft and I never opened this account. Please remove this in accurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that this be removed completely and permanently from my credit report immediately. 
I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

Sincerely, 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. (TX)

XXXX Account number XXXX you are reporting this collection as an " OPEN account which is not under the FCRA XXXX. this is inaccurate reporting and this need to be removed immediately. please send me a copy of my credit report when the above delection has been removed .Please attach copies of the following XXXX, the purchase agreement XXXX Name and address of the original creditor XXXX, Date of the original charge off or delinquency XXXX The date this alleged debt became payable XXXX, The original contract and signature on file
Consumer complaint received 2024-05-14
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)

XXXX XXXX XXXX Opened XXXX {$730.00} XXXX XXXX XXXX Opened XXXX {$900.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$1500.00} XXXX XXXX XXXX  Opened XXXX {$2400.00} XXXX XXXX XXXX Opened XXXX {$2600.00} XXXX XXXX XXXX Opened XXXX. 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
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

Information reported incorrectly on my credit report. Account : XXXX. 
Please update information as informed by creditor XXXX XXXX to Equifax and XXXX  XXXX XXXX Form XXXX control # XXXX Submitted on XX/XX/2018. 

Equifax SC : XXXX XXXX  SC : XXXX By submitting this XXXX, the creditor certify that have verified the accuracy of the data in compliance with all legal requirements.
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

Contacted XXXX collection and requested copy of bill from XXXX XXXX XXXX. Numerous requests and never received bill or anything regarding date of service or services performed. Contacted XXXX XXXX XXXX and was told they XXXX had sold the account on XXXX XXXX   2017, and as far as they are concerned, this account is closed and XXXX now owns the debt. I have insurance that could possibly pay this bill, but without any proof of services performed, by what XXXX, nothing can be done. All credit agencies have removed this account with the exception of XXXX.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX