davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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. (CA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-02-02
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 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 2024-04-30
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 recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me. Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Therefore, these accounts should not be reported on my consumer report. This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. This has been hurting me and causing my mental health to be disturbed with severe harm and extreme anxiety, as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per 15 U.S Code 1692d Harassment or abuse. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-04-30
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)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15.00} XXXX XXXXXXXX XXXX Balance : {$4.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$260.00} XXXX  - XXXX Balance : {$1200.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Continuously contacting Credit Bureau regarding erroneously reporting information* on my credit report which they are knowingly and willingly refusing to remove. 

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 TRANSUNION 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 2024-04-30
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. (GA)

Despite providing comprehensive documentation and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to manage such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open accounts remain unresolved, raising questions about the reliability and accuracy of your record-keeping processes. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entries on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX Balance Owed : {$360000.00}.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : Subject : Dispute of Negative Credit Information Resulting from Equifax Data Breach I am writing to dispute inaccurate and negative information that has been reported on my credit report as a result of the data breach that Equifax suffered. As you are aware, the breach exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, driver 's license numbers. As a result of this breach, I believe that fraudulent activity may have affected my credit report and resulted in inaccurate reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be incorrect or the result of identity theft. According to Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputes, and if any information is found to be inaccurate or unverifiable, it must be promptly corrected or removed from the credit report. 

Specifically, I am disputing the following items on my credit report : XXXX XXXX - Account number : XXXX XXXX XXXX  - Account Number : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX I am requesting that these items be investigated and corrected or removed from my credit report. I believe they are the result of fraudulent activity and should not reflect negatively on my credit history. 

Please investigate this matter and provide a response within the 30-day period required under the FCRA. I also request that Equifax send me a copy of the corrected report once the investigation is complete, and that any corrections be communicated to other credit reporting agencies. 

In the meantime, I ask that a note be added to my file stating that this information is disputed and under investigation in compliance with Section 611 of the FCRA. 

Attached are copies of my identification, proof of address, and any supporting documentation related to this dispute. I appreciate your prompt attention to this matter and look forward to your timely resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (WA)

On XX/XX/year>, I purchased a vacation package from XXXX and paid for it using Affirms installment loan. The installment loan is due to be paid back to Affirm beginning XX/XX/year>. 

On XX/XX/year>, I decide not to take the vacation and I cancelled the purchase with XXXX. Per XXXX and XXXX XXXX. Cancellation policy, I was due a refund of the total purchase. Of that purchase, the cost of the XXXX XXXX flight was {$320.00}. The remaining amount of the vacation package was {$1600.00}, which included the hotel stay and the return flight from Hawaii. 

My account on XXXX shows that the entire vacation package was cancelled, and a refund was issued for {$1900.00}. The refund was issued in XXXXwo installments to back to Affirm in a payment of {$1300.00} and for {$610.00}. This is per XXXX. On or around XX/XX/year>, I contacted Affirm and asked them why the loan application for the entire {$1900.00} plus interest was still pending on my account and not cancelled. Affirms customer service told me that they had not received the portion of the refund for the XXXX XXXX flight, which totaled {$320.00}. I advised Affirm that XXXX and XXXX XXXX has advised me that they did in fact issued a refund to Affirm and I provided Affirm with the refund receipts. Affirm does not have a system to dispute the refund they are claiming that they have not received and does not give me the customer an option to dispute that refund was completed. Affirms policy also forces you to pay the interest on the loan even though the refund has been issued. Affirms policy also does not give you a refund of the interest payment if and when the refund is satisfied. As mentioned, this transaction was cancelled/voided the same day it was made and now it is XX/XX/year>, over three weeks since the transaction was cancelled. I am concerned that Affirm is attempting to have me pay the entire interest of {$370.00} of this loan before they will satisfy that the refund has been returned to them. This is fraudulent activity and outside of the bounds of the loan agreement. Affirm will no provide me with any information showing that any of this loan has been paid back to them by XXXX and XXXX XXXX. 

Meanwhile, XXXX and XXXX XXXX have advised me that the transaction never took place and was voided instead of being charged, which means Affirm should not have even processed the loan.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$560.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/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 2024-04-30
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. (MS)

XXXX XXXX XXXX The results from the investigation is still in progress. If it is more than XXXX days, you must remove. 
XXXX deleted a long time ago. XXXX and Equifax was supposed to delete it as well according to law. 
If this problem continues, I will contact my state legislation to sue this company, XXXX and the credit bureau due to reporting false information and failing to accurately complete investigation. There are my things that was violated and I need to request an audit from the historical changes that was illegal According to law FRCA XXXX XXXX, it is illegal to report information on my credit report without my permission. Thank you please remove this item from my credit report now.
Consumer complaint received 2024-04-30
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have disputed with Portfolio Recovery numerous of time because they are reporting that this account is open on XXXX and closed XXXX removed it off XXXX. I've disputed XXXX XXXX and they will not deleted this inaccuracy from my credit report.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS 7TH NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS AS A CONSUMER. THERES NO REASON FOR THIS CREDIT COMPANY TO CONTINUE TO REPORT AND FURNISH FRAUD ACCOUNTS ON MY CREDIT REPORT, MOVING FORWARD ILL WILL BE SUEING THIS COMPANY FOR NOT HONORING AND RESPECTING MY CONSUMER RIGHTS, AND FOR AGGRAVATED IDENTITY THEFT FOR FURNISHING AND REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$0.00} 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-04-29
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-07
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. (CA)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX