davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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. (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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2018-04-17
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX placed an inquiry on my credit which isnt authorized and fraud. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX ( XXXX ) XXXX, and the person couldnt find me.
Consumer complaint received 2023-05-09
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. (PA)

Dear XXXX XXXX XXXX, Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$21000.00} Highest balance {$0.00} Terms 72 Months On record until XX/XX/XXXX I am writing to request that you provide me with information regarding your reporting of information to consumer reporting agencies ( CRAs ). Specifically, I would like to know what information you have reported and to which CRAs. 

I would like to make clear that I have not given permission for you to provide my credit report to any third party for any purpose other than those allowed by USC 15 1681b. This statute outlines the permissible purposes for accessing consumer reports, which include : Credit transactions Employment purposes Insurance underwriting Government licensing and benefit determinations Court orders Legitimate business needs Any other use of my credit report without my express permission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Therefore, I request that you provide me with information regarding your reporting of information to CRAs, including the information reported, the date of the report, and to which CRA the information was reported. 

I also request that you investigate any disputed information on my credit report and correct any inaccuracies as required under USC 15 1681s-2. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-15
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. (SC)

I am writing to file a formal complaint regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically pertaining to Sections 602 ( a ) and 604 ( a ) ( 2 ), as outlined in 15 U.S.C. 1681-1681x. The accounts in question, detailed below, have been inaccurately reported by the respective creditors, resulting in erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681s-2 ( a ), furnishers of information to consumer reporting agencies are mandated to provide accurate information and investigate disputes promptly. However, despite multiple attempts to dispute the accuracy of the aforementioned accounts, the creditors have failed to conduct reasonable investigations and have continued to report inaccurate information. 

These inaccuracies have adversely affected my creditworthiness, resulting in unjust consequences such as higher interest rates and denial of credit opportunities. As a consumer, I am entitled to fair and accurate reporting of my credit information, as guaranteed by the FCRA. 

Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against the creditors for their non-compliance with the FCRA. Additionally, I request that the inaccurate information be corrected or removed from my credit report in accordance with the law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify these violations and ensure fair and accurate credit reporting practices.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLIANT CREDIT UNION (CA)

Dear Sir/Ma'am Your assistance is needed in the recovery of approximately XXXX XXXX XXXX  dollars from fraudulent ACH transfers through my bank Alliant Credit Union XXXX The incident has been reported to my bank on XX/XX/year>, but I would like to file a formal complaint to the relevant law enforcement agencies for review and record keeping. Please help disseminate the information provided to the appropriate law enforcement authorities for investigation. Thank you for your assistance. 
Unauthorized ACH transfer out of my Alliant Credit Union saving accounts on XX/XX/year> totalling {$35000.00} in 4 separate ACH transactions. 
- {$9900.00} - {$9900.00} - {$9900.00} - {$6000.00} Unauthorized ACH transfer out of my Alliant Credit Union checkings account on XX/XX/year> totalling in 2 separate ACH transactions. 
- {$14000.00} - {$4000.00} As the primary account holder, I never received any fraud alerts from Alliant Credit Union, so I am requesting your assistance in getting my money back.
Consumer complaint received 2024-05-15
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. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-05-09
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. 

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

As of XX/XX/year> my mortgage payments were {$1800.00}. I have a 2 % fixed rate mortgage. Payment breakdown - Principal {$510.00} ; Interest {$390.00} ; Escrow ( Taxes and Insurance ) {$960.00} = Regular Monthly Payment {$1800.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
In XXXXXXXX XXXX XXXX, I received a mortgage statement showing my payment at {$3100.00} - Payment breakdown - Principal {$510.00} ; Interest {$390.00} ; Escrow ( Taxes and Insurance ) {$2200.00} = Regular Monthly Payment {$3100.00} - ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
This represents and increase of {$1200.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
I had received absolutely nothing advising me that this change would take place, so I called to ask NewRez why this change occurred and the employee that I spoke with could not explain and stated that she would order and escrow analysis to be sent to me. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
To date I have received Nothing from New Rez explaining this arbitrary change to my escrow payments. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
Additionally, you can see on my statements that NewRez appears to be billing for unauthorized " property inspections ''. I believe that these are prohibited by law.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-05-15
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. (TX)

I reviewed my consumer Reports and noticed that I had 2 late payments on an account that I was never late for. Consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer info to the best of their ability with maximum accuracy. I have never been late on payments for the account with XXXX XXXX XXXX XXXX, the account number associated with this account is XXXX. Please investigate and provide proof with statements showering that these payments were late. If proof cant be provided I demand that these payments be updated to on time as they should be as I was NEVER LATE! Thank you!
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOK FINANCIAL CORP (TX)

my account was closed and paid full on XX/XX/XXXX but the credit report on XXXX still show " late payment from XX/XX/XXXX till XX/XX/XXXX ''. this caused my house loan delay and can't apply the loan from XX/XX/XXXX till now
Consumer complaint received 2024-06-22
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (WA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (NY)

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 U.S.C 1681. 
XXXX XXXX XXXX # xxxxxxxxxxxx XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX  XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX  Account # xxxx # # XXXX XXXX Account XXXX xxxxxxxxxxxx XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX Account # xxxxxx XXXX XXXX XXXX XXXX  Account # xxxxx XXXX XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX CARD Account # xxxxxxxxxxxx XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX & XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXXt # xxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxx XXXX XXXX XXXX XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX # xxxxxx XXXX XXXX XXXX # xxxxx XXXX XXXX XXXX XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX Account # xxxxxxxxx XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX 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. 

15 U.S.C.1681 C. ( 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 crime which antedates the report by more than seven years.

15 U.S.C. 1681 S-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 2024-05-15
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)

XXXX of Inaccuracies : I am filing this affidavit in response to the continued erroneous reporting of a XXXX on my credit report by Equifax, which is absent from my XXXX and XXXX credit reports. 

I have disputed this inaccuracy multiple times through formal disputes sent directly to Equifax. Despite these efforts, the bureau has failed to correct this error. 
Attached Evidence : Exhibit A : XXXX Credit Report ( No bankruptcy listed ) Exhibit B : XXXX Credit Report ( No bankruptcy listed ) Exhibit C : Erroneous Credit Report from Equifax showing the disputed bankruptcy. 

Affidavit is attached.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-08-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IN)

XXXX apartments sent me a notice to vacate the apartment along with an eviction notice. On XX/XX/year> this case was brought before the XXXX XXXX XXXX courts where Judge XXXX dismissed the eviction and stated that I do not owe any debt to XXXX Apartments. I vacated the apartment per the agreement & with no damages to the property. XXXX apartment XXXX made up this collection & wrongfully sold it to XXXX XXXX system.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"