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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I BECAME A VICTIM OF IDENTITY THEFT AND I WENT THRU THE PROPER CHANNELS AND GAVE THE PROPER DOCUMENTS TO PROVE THAT I AM A VICTIM OF FRAUD AND I REQUESTED THEM TO BLOCK THE ACCOUNTS. THEY REFUSE TO BLOCK THE FRAUD ACCOUNTS, AS IF SOMEONE WONT STILL YOUR IDENTITY AND TREAT IT AS IF ITS THERES AND PAY THE BILLS TO GET MORE CREDIT. IDENTITY THEFT IS ALMOST THE HIGHEST CRIME IN AMERICA BUT THESE CREDIT BUREAUS DONT TREAT EVERYBODY THE SAME, ESPICIALLY IF I QUALIFY THRU THE LAW, THEY ARE VIOLATING THE LAW. SO THEY TOLD ME THEY WASNT BLOCKING, I REQUESTED METHOD OF VERIFICATION TWICE. AND THEY HAD DID A REINVESTIGATION WHICH THE CREDITORS ALWAYS SAY ITS YOU, SO THEY CAME BACK AS ITS ME AND ITS 100 % ACCURATE, I ASK FOR METHOD OF VERIFCIATION AND THEN I ALSO LOOK AT THE ACCOUNTS I DISPUTED AND CLAIM AS FRAUD. I ALSO ASK HOW DID THEY VERIFIED AND THEY REFUSED TO TELL ME AND THEY Say that the laws in the fair credit reporting act laws forces them not to tell me. which is not true.
Consumer complaint received 2024-08-01
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. (AZ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-24
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: PENTAGON FEDERAL CREDIT UNION (OH)

Account showed 2 payments late so I contacted Pen Fed Credit Union and disputed the charges and late fees as fraud. I received a letter in XX/XX/XXXX. 2023 stating that they found the charges to be fraudulent and would remove them. They did but they didn't remove the late charges. I contacted them an XXXX XXXX and they said they would remove those too. My XXXX showed a drop of XXXX points. I filed a dispute and included the letter from them. The results of the investigation as of XXXX said it contacted them and the debts were mine. This is wrong please help.
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. (GA)

Subject : Request for Comprehensive Resolution : Adjustment of Late Payment Entry Status Dear [ Credit Reporting Agencies ], I am writing to address the ongoing dispute regarding a late payment entry on my credit report and to request a comprehensive resolution. Specifically, I urge the revision of the late payment entry to accurately reflect a current status. 

Under the legal doctrine of estoppel by silence, as illustrated in the case of XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX, I have not been provided with evidence substantiating the alleged debt. Consequently, I am compelled to presume the absence of such proof, thereby invalidating the existence of the debt in question. 

Adherence to the Fair Credit Reporting Act ( FCRA ) mandates the utmost accuracy and integrity in consumer reports. Therefore, it is imperative that my credit report faithfully mirrors my financial standing, devoid of any inaccuracies or unsubstantiated claims. 

I maintain with unwavering conviction that the current status attributed to the late payment entry is unjustified and incongruent with factual evidence. Consequently, amending the status to accurately portray a current, up-to-date depiction is not only equitable but essential to uphold the principles of fairness and transparency in credit reporting. 

Should obstacles arise in achieving this resolution, I reserve the right to explore alternative avenues to rectify this discrepancy. It is paramount that my credit report accurately represents my financial status, devoid of any unjustified or unverified entries. 

I implore your esteemed agencies to conduct a thorough review of this matter and to take prompt action to effect the necessary revisions. Your cooperation in resolving this issue expeditiously is greatly appreciated.
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. (PA)

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies concerning reporting, amounts, and dates.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (FL)

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Per 15 U.S.C 1681e 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 relates12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity .B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

15 U.S.C. 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

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. (IN)

To Whom It May Concern, XXXX XXXX XXXX, account # XXXX, account is reporting inaccurate late payments to all 3 credit bureaus. They are stating the following inaccurate information, due to the FCRA this is a violation, please see below. 
Account # XXXX, Open. {$2900.00} past due as of XX/XX/2024. I have never been late on this account. 

Late payments are showing on my account and credit profile, from the date which is actually Illegal Pursuant to 15 U.S.C s 1666 ( B ). Please remove the account
Consumer complaint received 2023-04-20
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: TD BANK US HOLDING COMPANY (VA)

an account XXXX is XXXX balance on my credit report with all 3 bears but I paid it in a settlement I have proof that it is was Paid for you are in direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A clearly states that I have the right to privacy. 15 U.S.C 1681604A section2 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 later any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC (NY)

Sheperd Outsourcing ( previously XXXX XXXX XXXX XXXX XXXX  ) has been calling & leaving messages purportedly about a " business matter '', that is most definitely a euphemism for a non-existant debt. I've looked it up, & apparently under both names ( sheperd XXXX XXXX  ) they've been running debt scams for some time. The phone number they're using is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1300.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$660.00}
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. (SC)

We received an alert from EQUIFAX, XXXX, XXXX regarding some accounts in the name of XXXX XXXX & belonging to XXXX XXXX. It appears that EQUIFAX, XXXX, XXXX is in possession of some accounts but has not submitted any proof of the right to claim the legal title. We did not authorize EQUIFAX, XXXX, XXXX to hold the accounts. I need further clarification of your possession and who authorized this without the consent of the XXXX XXXX. Additionally, if you don't have any proof of this, we would like to further connect with you as you have agreed to be our agent and we graciously accept your role and welcome you to do what is in our best interest. I will send over a updated agreement for possession of XXXX property.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

There are several hard inquiries that I did not do. There is also a late payment on a XXXX card that was a fraudulent charge that I disputed and the credit card company agreed, but Equifax keeps it on my report.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3200.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (MD)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-05-13
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. (OR)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$1000.00} XXXX XXXXXXXX XXXX  - XXXX {$640.00} XXXX - XXXX {$730.00} XXXX XXXX XXXX {$840.00} XXXXXXXX XXXX  - XXXX {$840.00} XXXX - XXXX XXXX {$550.00} XXXX - XXXX {$550.00} XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX {$640.00} XXXX - XXXX {$830.00}
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I am writing to formally file a complaint against XXXX XXXX for incorrect reporting to all three major credit bureaus XXXX, XXXX, and Equifax. Despite numerous attempts and communications with XXXX XXXX to address and correct the inaccurate data reflected on my credit report, the issue persists unresolved. 

The inaccurate reporting by XXXX XXXX has significantly and negatively impacted my credit score and financial standing. The failure of XXXX XXXX to correct the erroneous information is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under the provisions set forth in XXXX Code 1667, which mandates the accurate reporting of consumer credit information and provides consumers with the right to have incorrect information corrected in a timely manner. 

Here are the key points of contention : 1. Incorrect account status : XXXX XXXX has reported my account as charged off, late, included in Bankruptcy, and Unrated which is inaccurate. 
2. Failure to update information : Despite providing evidence and numerous communications with XXXX XXXX to correct this data, there has been no adequate response or action taken on their part to amend the inaccuracies.
Consumer complaint received 2024-05-01
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: Experian Information Solutions Inc. (TX)

These are the companies and inquiries that I do not recognize : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
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)

A certified letter was sent to XXXX XXXX  who issued a credit card in my name to an unknown address : XXXX XXXX XXXX, XXXX, XXXX, GA XXXX. Apparently, the credit card was used and not paid. XXXX XXXX  reported this delinquency to the agency under my name. I never lived in XXXX. The Credit Reporting Agencies used this report to negatively affect my FICO score.
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. (MO)

XX/XX/year> I contacted XXXXXXXX XXXX  ( Card holder for the XXXX XXXX ) before XX/XX/year>, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/year>. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. 
XXXX XXXXXXXX XXXX XXXXXXXX I contacted the XXXX XXXX and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases.
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 — Investigation took more than 30 days
Company: EQUIFAX, 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these account XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.