davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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. (CA)

I asked the credit bureaus for the information below and they did not comply. 


1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I found out the creditor didn't give the required 21-day 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 2024-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like to dispute these negative accounts on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Account XXXX : XXXX {$4000.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/XXXX TransUnion : XXXX XXXX XXXX XXXX Account Number : XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/XXXX
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (GA)

XXXX has engaged in deceptive business practices and falsely accused me of owing a debt that is not mine. I paid for the service for a short period of time and was charged the correct amount of which I have records of, but canceled the service due to lack of satisfaction with the offerings. Now XXXX has sent me to collections over a mere {$66.00}. Ridiculous!!! They're spending more money trying to recoup this debt rather than just writing it off. Apart from that I just don't owe it. I paid for the months I used and then stopped using the service- so logic should dictate that I don't get charged anymore. It's as simple as that. I am deeply offended that a once respectable company would resort to deceptive practices such as this just to get additional money out of its customers.
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (MD)

I'm positioning to offer my hesitation concerning the gave records a shot my credit report. On different occasions, I have raised the issue of mistakes in these records, and have persistently suggested that they be overall around isolated. Regardless of my endeavors, I in a short time plainly can't get any goal or fixing development. These off track records are really harming my credit report and dissuading my capacity to occur with an ordinary life. The hostile results of these goofs have caused colossal difficulties for me, and I'm left with no decision close to fight for your help with moving an eye on what's along on at the earliest entryway. I cautiously demand that you direct an exhaustive evaluation concerning the principal of these attempted records. It is fundamental that the critical advances are taken to empower and change my credit report right away. With your assistance, I truly need to reestablish the precision and standardness of my credit record so I could recover command over my cash related flourishing. I truly ask you to introduce this matter your generally ridiculous idea and make an impetus move. Your organized exertion and moving in settling this issue quickly would be tremendously basic. XXXX to you without even batting an eye for your insight and help.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am not pleased with the credit bureaus handling of my disputes. I contacted them by mail notifying them of numerous inaccuracies in their reporting. I noticed several accounts on my report were misrepresented and erroneously reported. I sent them a list of the accounts as well as the issues along with all verifying documents and I have not seen any changes made on my reports. Their investigation resolved nothing and I don't think they actually conducted a reasonable one. My report has not changed and I am getting stressed out by this. I am aware that they can not continue to report erroneous information because that is against the law to do so. I need this resolved immediately.
Consumer complaint received 2024-05-23
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)

The credit Bureau 's stated XXXX XXXX XXXX XXXX Account number XXXX was properly investigation but how is that possible if it open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A section. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

Experian has deliberately gone in to avoid my requests for information to be updated and other information to be removed from my account. They have sent multiple emails saying they dont believe this is me however both a copy of a utility bill and my drivers license and social.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

They called what they thought to be my spouse and then proceeded to give my information to the person they called including the amount owed, account name and info and told him they would be suing me. When I called to talk to them about them giving any of my info to anyone that I had not put down as my relative I was told they could and then was told they had a lawyer ready to sue me. They called my " spouse '' at XXXXXXXX XXXX on XX/XX/year> and spoke to them about my information for XXXX min XXXX seconds.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 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 8
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 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.

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!
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (MA)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I am writing to express my frustration regarding the handling of my credit report dispute. Despite my compliance with the required procedure by submitting all necessary documentation and identification, Equifax has failed to investigate my credit file as mandated by law. I initially sent a letter on XX/XX/XXXX XXXX XXXX  disputing inaccuracies in my credit report and provided detailed information and supporting documents. However, in response, I received a request for additional information despite having already included all necessary details. Consequently, I resent the same information on XX/XX/2024, along with additional identification to ensure clarity. It is imperative that Equifax complies with the Fair Credit Reporting Act ( FCRA ) by conducting a thorough investigation within the legally specified timeframe. Your continued requests for information I have already provided are causing unnecessary delays and frustration. I urge you to promptly address these disputes and correct the inaccuracies in my credit report. Certified mail numbers XXXX & XXXX proof Equifax has received my letters
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-08-05
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: ALLY FINANCIAL INC. (CA)

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and ID along with my SSN card was stolen. I called XXXX credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX and requested that the identity theft unauthorized inquiries be removed immediately and XXXX only removed XXXX of them so now I have to dispute unauthorized inquiries with the actual companies are such as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Now com/nmotions motors- XX/XX/year> XXXX. Ally financial XX/XX/year>, XX/XX/year> Remove all unauthorized inquiries thank you for your understanding. Attached is a copy of my policy report for the identity theft report.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

I HAVE BEEN SENDING DISPUTE LETTERS TO EQUIFAX FOR SEVERAL MONTHS DISPUTING FRAUDLENT INQUIRES AND FRAUD ACCOUNT TAKE OVERS WHICH INCLUDES MY STATE ISSUED ID AND SOCIAL SECURITY CARD FTC REPORT AND POLICE REPORT. I CALLED TODAY AND WAS TOLD THEY RECEIVED MY DISPUTE AND BUT ALL MY DOCUMENTS WERE NOT SENT TOGETHER WHICH I SENT SEVERAL TIMES.
Consumer complaint received 2024-05-22
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. (NY)

Experian, XXXX, and XXXX Summary of Incident : Consumer Details : XXXX XXXX, Social Security Number : [ XXXX ], Date of Birth : XX/XX/XXXX. A formal complaint has been lodged with the CFPB in response to an erroneous credit report issued by XXXX, which has been contested according to FCRA 605B ( 15 U.S.C. 1681c-2 ). That XXXX credit reporting agency block information appearing on my consumer report, that is a result of identity theft and fraud within 4 business days of receiving this complaint. Details of the Complaint : This complaint originates from an incident of identity theft, corroborated by the disputed credit report from XXXX. It wrongly includes several unauthorized accounts and inquiries : A credit account purportedly opened with XXXX ( XXXX XXXX Bank ) on XX/XX/XXXX. An additional account was allegedly initiated with XXXXXXXX XXXX on XX/XX/XXXX. These unauthorized accounts have resulted in multiple derogatory entries on my credit report, such as hard inquiries and collections, which I do not acknowledge and have not consented to. These entries have detrimentally influenced my consumer XXXX score. Additional Documentation : Provided are the list of hard inquiries, a copy of my consumer XXXX credit report, and a copy of the FTC Identity Theft Criminal Complaint ( case number [ private ] ) filed with the U.S. Federal Trade Commission. These documents support the assertions of identity theft and the resulting errors on my credit profile. All listed accounts, inquiries, and collections are claimed as the result of identity theft and were not authorized by me. This version has been tailored to include the specific details you provided. If you need further adjustments or additional information added, feel free to let me know!
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have been trying to correct errors on my consumer report and on XX/XX/year> Equifax wiped everything off of my report. I can not review my report, nothing shows on my report. When I log in online I get an error code BLNK. I called and spoke with Equifax Office of Consumer Affairs to get it corrected on XX/XX/year> and they did not help to correct the problem. I am unable to obtain credit because my file is conpletely blank.
Consumer complaint received 2023-05-10
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00}
Consumer complaint received 2024-05-22
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. (PR)

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 section 602 A. States 1 have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX 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 2024-05-23
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. (VA)

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Pollack & Rosen, P.A. (FL)

I was sued in court by Pollack & Rosen on behalf of XXXX XXXX and I had to Hire an attorney to work on my behalf and I paid them in full the full {$2900.00} and received a settled in full with a {$0.00} balance. However once it was updated with three credit bureaus they updated it as owing {$330.00}. My lawyer informed me this will be updated to {$0.00} once paid in full and Pollack & Rosen stated the same information. I called XXXX and they are trying to make me pay more money!!!! This is seeming very scammy and I need this updated as this is hindering me from getting a house and I am a business owner and they are questioning this as I am getting business credit for my business.