davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-12
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)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2023-07-13
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. (PA)

I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? __ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, Equifax and TransUnion is implementing it self.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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)

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Consumer complaint received 2023-07-13
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. (TX)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2024-02-01
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)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

I have reached out numerous times to XXXXXXXX XXXX  in regards to a XXXX day late payment that they are reporting on my credit reports with the credit reporting bureaus. The late payment is being reported in late  2021 during the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided XXXX XXXX  that information including a copy of the XXXX XXXX XXXX XXXX XXXX XXXX stating negative consumer credit reporting this time is suspended due to no fault of my own.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please be advised I have a tradeline from XXXX XXXXXXXX XXXX on my credit report! It is a self lender account as to where I paid a certain amount each month and it is deposited into a CD and at the end of the term ( which I have completed ) I get my money plus interest back! The tradeline is showing I was 30 days late in XXXX of 2017 which is not correct! I was never 30 days late!
Consumer complaint received 2018-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

We moved out of our apartment on XX/XX/2018 and we were supposed to get a final all bill by email but never did receive it. After contacting the original company by email requesting the final bill as we never re eived it, they informed me that the bill was sent to an old address on file and that the person who was supposed to send us the final bill whose name was XXXX XXXX never emailed it and also she is no longer with the company. The property manager XXXX XXXX informed me of this XXXX email. She then emailed me a final bill with incorrect charges and overbilling. When I disputed the charges, she refused to help fix the situation and sent this account to collections damaging my perfect credit and any chances of me obtaining a house. They never emailed me the final all bill within 30 days and they purposely sent the bill to a wrong address.
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1980 Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXXXXXX XXXX Late Payment Account XXXX  XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer. 

In this regard, I would like to point out that the late payment accounts reported by XXXX and XXXX XXXXXXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 

Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 

I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-07-14
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)

This is my formal complaint to EXPERIAN for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 60 days 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. 


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 XXXX
Consumer complaint received 2024-02-01
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. (IL)

I am filing this complaint to EQUIFAX for not taking action. I am writing to request the removal of non-permissible credit inquiry from my credit report. My report was pulled by the following company without my authorization or knowledge. I have attached the FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-04-24
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-01
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: EQUIFAX, INC. (TX)

I was reviewing my Credit Report and noticed that the following companies are listed. I do not know who these companies are. I requested for XXXX to investigate since they are reporting this information to my credit report, however they have only responded that this information has been verified with no proof of the verification. Due to the 15 U.S.C 1681 there should not be any issues on my reporting, and this is a defemination to my character and my credit reporting.
Consumer complaint received 2020-11-08
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. (DC)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I've consistently made payments on time for this account, and it's causing me XXXX XXXX to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situatio
Consumer complaint received 2016-07-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I retained XXXX XXXX XXXX to do a Modification for my home in XXXX of XXXX. I paid them about XXXX dollars, and never got a modification..On XXXX XXXX I called up my lender whose name is Nationstar Mortgage and was told my home was sold on XXXX XXXX XXXXXXXX law group never contacted me regarding this matter at all. I also never receive any notices about a Court Date for a Foreclosure Court appearance. In XXXX of XXXX I XXXX XXXX faxed short sale documents to Nationstar Mortgage cause I was under water. Nationstar Mortgage said they never received any documents. So on XXXX XXXX XXXX I called up Nationstar again to fax over some more documents to be told my home was sold on XX/XX/XXXX.XXXX group never contacted me or my Wife regarding this matter now me and my Family have to pack up and leave the premises because of XXXX negligence.This really hurts cause I have a Family.
Consumer complaint received 2023-05-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I filed an initial dispute regarding XXXX not applying a Forbearance on my loan as I requested which resulted in them reporting my loan 90 days past due. I spoke with a representative with XXXX who pulled the call and stated the representative was unclear on the call but confirmed I asked for a Forbearance. I filed a dispute with Experian and XXXX, XXXX refuse to remove the 90 day late but also reported me 90 days past due for XXXX when I'm in a forbearance starting XX/XX/2023.
Consumer complaint received 2024-01-10
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-06
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. (TX)

I would like to remove these fraudulent hard inquiries. I did not authorize them to pull my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2023, someone made a purchase at XXXX 's XXXX XXXX, a cosmetics store, for {$240.00}. This should have been impossible as I was not physically at the store, or in the area, and my credit card was on me. When I called the store, they said someone came into the store and made a purchase with a physical card, so they must have cloned my card somehow. 

I immediately contacted my credit card company, Chase, and they cancelled my card and sent me a new one while they investigated. Today, XX/XX/2023, I received a letter from Chase saying they investigated and are denying my fraud claim because " You received benefit from this transaction. '' I have never shopped at XXXX 's XXXX 's XXXX. As a single male, I have never purchased cosmetics for myself or for anyone else. It's baffling that someone thinks I would inconvenience myself for the sake of {$240.00} in cosmetics, as I had to cancel and updated all of my online payments. 

I would very much appreciate your help in resolving this with reason. Thank you.