davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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)

There are inaccuracies on my equifax report. The accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX have inconsistencies between the 3 credit bureaus. Those accounts are not listed on my XXXX  report nor XXXX and this problem needs to be fixed with equifax this is harming my credit and needs deleted.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (TX)

On XX/XX/XXXX, an installment loan was taken through Affirm.com to help cover the cost of an {$8200.00} furniture order from XXXX. Once that order was not delivered by the 30 day mark as guaranteed by XXXX, I followed up directly with the merchant. I was repeatedly told that the item was " in transit '' and there was nothing they could do. After another 2 months, on XX/XX/2023 I reached out to Affirm to help me resolve the issue and get my money back. I also reached out to XXXX ( who covered the other portion of the order. ) XXXX swiftly returned my funds and judged the order to be a fraud ( rightfully so. ) Affirm has repeatedly pushed back and is now saying I cancelled my own order, which I did not- I asked for either my furniture or my money back, neither of which was provided by XXXX. 

Affirm needs to make this right and protect my rights as a consumer under the CFPB.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I recently reviewed my credit report and noticed an account XXXX XXXX Account # XXXX that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all Information with complete accuracy. this account has not been late on payments my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate and provide veriflable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 

Send me an updated credit report with the lates updated as always on time 100 % payments never late
Consumer complaint received 2024-05-30
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. (MD)

Please be minded that if you send a computer generated letter not to open the dispute request I am going to file a complaint. There is not a single item in my letter that could possibly lead one to believe it was not written by me. Failure to do so must be penalized according to 616. [ 15 U.S.C. 1681n ] that states any person who willfully fails to comply with any requirement under this law concerning a consumer is accountable to that consumer for a sum comprising : 1. A : The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more that {$1000.00}. 

Since I know that this letter will be sent through an automatic system you have, I will make it brief. You informed me that my disputes were " verified as accurate '' after I provided evidence of discrepancies in the form of FACTS that I directly obtained from my credit report. Given that I'm using the information from my credit record, how is this possible? I believe that after you receive my letters and enter them into the computer, the computer forwards them to the XXXX, and the creditor simply compares what you have. 

It will, of course, be confirmed when you compare your information to theirs! I am aware that you are required to conduct a separate inquiry to verify the accuracy of this information, but I need to see the actual process to make sure you have complied with FCRA laws. Both the paperwork utilized for this independent investigation and a fresh one based on the factual information provided below should be sent to me. 



Below are the following accounts that needs to be deleted or removed as it is being falsely reported on my credit report. 



XXXX XXXX : Account number : XXXX, Each bureau reports a different date of last activity and Repetitive CO marks on this report, remove this account for violation. 

XXXX XXXX XXXX : Account number : XXXX, How can there be late payments on this collection? and How can there be a past due on this collection? Delete this account for inaccuracy. 

XXXX : Account number : XXXX, Please clarify the payment status, comments, balance and account number as they might be erroneous. Delete them from my credit report altogether. 



I ask that you take urgent action to comply with Section 611 ( 5 ) ( A ) of the FCRA, which requires you to " ... promptly DELETE all information which can not be verified. '' I want all of the aforementioned accounts deleted right away. Send me a copy of your most recent, revised credit report indicating the deletion of these items. 


Yours Truly, XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Payments on this account have always been made on time, preventing any overdue status. I'm confused about the reasons for the late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2024-05-31
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)

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.

has violated my rights. Or a 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 2024-05-30
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. (SC)

Please be minded that if you send a computer generated letter not to open the dispute request I am going to file a complaint. There is not a single item in my letter that could possibly lead one to believe it was not written by me. Failure to do so must be penalized according to 616. [ 15 U.S.C. 1681n ] that states any person who willfully fails to comply with any requirement under this law concerning a consumer is accountable to that consumer for a sum compromising : XXXX. A : The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more than {$1000.00}. 

Firstly, I want to make sure that, in accordance with FCRA standards, you have and only retain current, true, correct, complete, and mandated reported information. I also want you to remove any and all deficiency of any condition, mentioned or not, and to demand any and all other information I request. 

I give you no permission to report any false information, past or present. Please check to make sure you are in complete and proper compliance with the regulations that control how you report consumer credit profiles. 

Kindly, look into the following and remove if it's not entirely accurate : XXXX | XX/XX/year> : Account number : XXXX, XXXX | XX/XX/year> : Account number : N/A, XXXX : Account number : XXXX, As you look into these things, I want my personal data to be updated. Please fix the spelling errors in my name and incorrect outdated address in my report. My name should be spelled as XXXX XXXX. My address that should be reporting is XXXX XXXX XXXX XXXX, SC XXXX. I am attaching a copy of my ID and a Proof of Address supporting my request. Kindly make sure that all misspelled names and incorrect addresses shall be removed immediately. 

I appreciate you acknowledging how serious and frustrating this issue has been for me. I appreciate you carrying out your duties. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-08-22
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. (MS)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-05-30
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)

Applied for home equity loan with XXXX XXXX XXXX XXXX and they are unable to proceed with application because the Equifax credit report will not pull up due to error message XXXX reported. I have not reported any fraud.
Consumer complaint received 2024-05-31
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 just looked at my consumer reports and noticed a late payment on an account that I was never late for. Data reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments for the account : XXXX XXXX XXXX. Please investigate and provide proof with statements showing that this payment was late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Consumer complaint received 2024-05-31
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality u

nder 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXXXXXX XXXX XXXX # XXXX The above account is not my account. I have no knowledge of this account. I have reached out 5 times to the credit bureau asking them to remove this accuracy. FRCA states all information should be 100 % accurate and true! XXXX XXXX XXXX is not my account and I demand that it be removed off my credit report. The credit bureaus has not responded and this false account need to be removed immediately.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC ()

1. We used XXXX for monitoring services and equipment at our home while we lived there. 
XXXX. We sold the home on XX/XX/year> and moved to XXXX, XXXX. We advised XXXX of this prior to our departure and they indicated that they would cancel the account, via the telephone. 
XXXX. The new owner of the home, is also paying XXXX for monitoring at the same address. 
XXXX. XXXX continued to collect for many months on my credit card until the credit card company put a stop to it, despite us not living there and having the cancellation request on file. Due to living abroad, I had little awareness of the credit card continuing to be charged. 
XXXX. We called and emailed XXXX multiple times to have them cancel and refund us what they had inappropriately charged us. They have ignored or hung up on XXXX every time. 
XXXX. They have now placed our account with three different collections agencies. Each time we have disputed and requested a refund of the money owed to us, and said we do not owe them anything. In each instance, the collections agency stopped collection attempts, before it was transferred to a new collections agency.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

Too many overdraft fees. I had to call in to have a few taking unfairly charged. 

I signed up for overdraft protection and was still charged anyway. If the overdraft worked the transaction wouldvedecline or it won't charge me. This has gone for 5 years. I wake up and there's an unforseen overdraft.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

This account has always been paid on time by me, never overdue. I'm confused about the late payment comments on my accounts. According to 15 USC 1666b, any billing error must be corrected.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've never missed a payment on this account, always keeping them current. I don't understand why there are reports of late payments on my accounts. As per 15 USC 1666b, billing mistakes should be fixed.
Consumer complaint received 2023-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Cash Express, LLC (TN)

I had a title pawn at cash express in XXXX Tennessee. And I lost my job after I got the loan. And they didn't offer to help me at any rate. After 6 months of paying or more, they were charging me a extra fee. Just because it was 1 day late. My payment was due on the XXXX. They charged me {$650.00} a month on the XXXX. I went to get place a title pawn at cash express in XXXX, and I'll was just going to pawn it for like a {$1000.00}. Well, when she pulled up my truck, that I was pawning and the amount it was worth. She said you can get the max. She pretty much talked me in to taking a maximum payment or a maximum loan. Knowing already had 2 checkloans. That was maxed so my vehicle got repoed. Now I have no truck and I still owe for a check. 
I was never told that I could renew my title loan or never offered any kind of deal with it. So here I am stuck with no truck and out of all that money and probably waiting to hear from them to tell me I owe so much money after it sold., I had paid it down to where i'd paid the interest already off. But they wouldn't help me none. One because they call me every single day of the week. Bugging me and I wouldn't answer every single day. But when I did tell them I had a problem just because I couldn't pay. They didn't offer to help none whatsoever. They even come on, my Private property with no one home to try and get the truck. I have them on camera. I have them on camera without telling me they were coming.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-31
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)

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 Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX has violated my rights. Or a 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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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.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 2024-05-31
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)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

DEAR, EQUIFAX I WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (PA)

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've ensured this account is paid promptly, never falling behind. I don't know why there are late payment reports on my accounts. According to 15 USC 1666b, billing errors should be corrected.