davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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. (NJ)

To Whom It May Concern, I am writing to file a formal dispute regarding the inaccurate reporting of my credit history by XXXX, Equifax, and XXXX, which is in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 

Despite providing ample evidence to support my claim, all three credit bureaus continue to report differing late payment records for my XXXX XXXXXXXX XXXX credit card, which was paid off in full. 

I have meticulously maintained my credit obligations and have never missed a payment on my XXXX  XXXX XXXX credit card. Any discrepancies in payment history reported by the aforementioned credit bureaus are not only erroneous but also damaging to my creditworthiness. 

To rectify this issue, I visited my XXXX  XXXX XXXX branch and obtained confirmation from the business XXXX associate, providing concrete evidence that all payments were made on time and in full. Despite presenting this evidence, the credit bureaus have failed to correct the inaccuracies in my payment history. 

Under the FCRA Section 611, I am entitled to a fair and accurate credit report. The discrepancies in my credit history are in direct violation of this provision. Additionally, the reporting agencies are obligated to adhere to Metro 2 compliance standards, which govern the reporting of credit information. 

I respectfully request that the Consumer Financial Protection Bureau intervenes in this matter and ensures that XXXX, Equifax, and XXXX accurately reflect my credit history in compliance with the FCRA and Metro 2 standards. Additionally, I urge for a thorough investigation into the discrepancies and prompt resolution of this issue. 

Enclosed with this letter is the evidence provided by XXXX  XXXX XXXX confirming my timely payments. I withdrew money to then pay my credit card at the same time since I was already at the bank. It really doesnt get anymore clear. I want this fixed. I kindly request that you review this documentation and take appropriate action to rectify the inaccuracies in my credit reports. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my accurate credit history.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-07-27
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. (NJ)

I am writing to dispute inaccurate information on my credit report, as provided under my rights by the Fair Credit Reporting Act ( FCRA ) Subsection 605b and 15 USC 1681c-2. Recently, I reviewed my credit report and identified items that I believe to be inaccurate or the result of fraudulent activity. In accordance with FCRA Subsection 605b, I request that these items be blocked from my credit report. As specified, the consumer reporting agency is required to block the reporting of information identified as a result of identity theft within four business days of receiving proof of the identity theft. Please investigate this matter and correct or delete the disputed item ( s ) as soon as possible, and provide a written confirmation that these items have been blocked from my credit report. Additionally, I request a copy of my updated credit report reflecting these changes. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 2024-05-08
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)

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/scrub>XX/XX/24 a fruadulent charge was introduced by an attendant named XXXX after that an representative anounced my account was close. I have five different direct deposits and this cause a great XXXX of havoc on my life
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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.

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

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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am filing this complaint to address an issue concerning late payments on my credit record. Upon reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

credit account company reports that I didn't pay a balance of a credit card in XXXX  when I was only XXXX years of age. account information is not accurate and to my understanding people XXXX  XXXX are not even able to pull credit cards out.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have reached out to Equifax with assistance with my Identity Theft problem with no assistance. I have done everything they asked of me to have some fraudulent accounts removed from my credit report. I retrieved a police report from the city of XXXX XXXX  where my wallet was stolen with my ID and credit cards in it, I also retrieved a police report from the city of XXXX, XXXX  where the creditors stated the accounts were opened and now, I also opened a police report where I actually live and provided proof of my address to them multiple times. XXXX and XXXX has removed this debt with proof showing this was fraudulent. I sent the deletion reports from the other two bureaus as requested by a supervisor within Equifax on a recorded line, also stating that once this was received then Equifax would remove the XXXX XXXX account. This was a lie and still is reporting. The address and phone number that they report for these accounts is not on my credit file. The address and phone number reporting are Fraudulent. XXXX or XXXX XXXX account number ( XXXX ) opened XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX is a fraudulent address that the above account is reporting to which is also not on my credit profile, but they continue to say that the information has been verified. I asked for a copy of the application with my signature on the application from all the creditors listed above and the 3 credit bureaus and I have yet to receive it. The incorrect data and no signed application showing. THIS ACCOUNT IS ALSO OVER 7 YEARS OLD AND SHOULD HAVE BEEN REMOVED LAST MONTH!!!! On the report it also says that the XXXX XXXX account does not report on Equifax but then also shows that the account has been verified, There are too many discrepancies with this account and it HAS TO BE REMOVED IMMEDIATELY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-07-05
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. (TX)

I have wrote them on multiple occasions and requested that the fraudulent items and addresses be removed that aren't mine. this has been going on for 1-2 years. 
wrote all 3 credit bureas. XXXX, XXXX, and experian.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-08
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)

Throughout the course of the past XXXX months, there has been a high rate of inquiries on my credit report that I did not authorize nor make I am a victim of identity, theft, and request these false request be removed immediately. 
Copy it reporting this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-08
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. (PR)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2024-08-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I called the company and the bureau to let them know this information was inaccurate and based on the FCRA 611 they did not follow the correct laws nor provide proof of verification with a wet signature. I am not liable for this credit collection serv account with the balance of 333, I was not provided with the original contract.
Consumer complaint received 2024-05-08
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. (CA)

I was in Texas and I lost my wallet with all my information inside XX/XX/2024. I sent over XXXX FTC XXXX XXXX XXXX, Equifax and XXXX. XXXX time in XXXX of XXXX & another time in XX/XX/2024. I recently just got into my XXXX this year and notice it was inaccurate and fraud done to my name that I did not give any consent to. Once I did the correct procedures no one answered my reports my letters or anything.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-08
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TN)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it. 

I have included screenshots and letters that I have submitted to the bureaus.
Consumer complaint received 2023-07-23
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. (CA)

In accordance with the Fair Credit Reporting Act, the account list below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX : Account number 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 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1681s-2 ( A ) ( 1 ) states 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 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (TN)

See Attachments Included. This medical debt for XXXX XXXX/MCCARTHY BURGESS WOLFF INC ( MBW ) has been reported on my credit with a date of XX/XX/2020. I have never received any written notices in regards to this alleged mobile debt for {$2400.00}. I sent a debt validation letter and the only thing I received was a list of installment and interest charges that was not authorized by me. I never received anything with my signature on it to validate this alleged debt neither did i receive a list of charges or breakdown or anymore information that confirms this a debt associated with me. I have reported this and filed a complaint as well as there are other items on my credit report that is inaccurate and needs to be deleted. I have sent notices in regard to wrong names and address listed under my social security number.
Consumer complaint received 2023-02-14
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)

Over the past 2 months I have been paying down my credit cards and having old delinquent accounts removed to prepare to apply for my first home loan. Every week all 3 Bureaus have gone in the upward direction, all 3 scores. Equifax was my highest. It was XXXX this weekend and Monday morning it dropped to XXXX, now my lowest. The only reported change on the report was a Balance Decrease which should only have had a positive effect on the score. I called Equifax twice to explain or guide me to someone who could, and they were unable to assist. Since then my XXXX jumped up even more. This makes zero sense. I believe an error was made to make my score fall so much when if any change did happen it should have been a score increase.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit bureaus are reporting inquires that arent actually mine, which is an infringement of my privacy. I have the right to decide what I deem private. I deem my hard inquiry information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
Consumer complaint received 2024-05-08
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)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I called capital one to order a new debit card after a new legal change. 

I then had a new email address and 4 mailing addresses that did not belong to me. Ive talked to 15 people today, no resolution. 

Also need 3 new credit cards matching my new legal name, they couldnt do that either.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

XXXX, 2023 paid and closed on report. I paid more than the balance stated. I paid the amount of {$300.00} to XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ). I told XXXX XXXX to send a dispute or letter to resolve and have this removed off of my report with all credit bureaus once I pay the amount to resolve. When I saw that nothing was resolved I disputed it off of my credit report. However, it still is not fixed.