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

Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information Hey Equifax , To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify having permissible purpose of. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

If you have documents containing my WRITTEN INSTRUCTIONS then show proof otherwise delete this information immediately.

Please send an updated copy of my credit report to me via the CFPB portal. According to the act 15 U.S.C. Sec 1681i ( a ), there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-30
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. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (FL)

With XXXX XXXX, my name is XXXX XXXX. I am writing you guys to informed you of the malpractice and fraud that Navy Federal credit union operates in and how they have violated the XXXX. Navy Federal has threaten your credit rating as well as relay derogatory remarks on my credit report and I have been shown as delinquent, accelerate your debt, they have also restrict my account because your bill is in dispute. And I have used your XXXX rights to dispute the charges. In addition, its against federal law for creditors to discriminate against credit applicants who exercise their rights in good faith under the XXXX. For example, navy federal credit Union has denied me credit just because I've disputed a bill. they creditor must explain to you in writing the corrections that will be made to your account. In addition to not crediting my account, they have not removed any finance charges, late fees, or other charges related to the error.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I purchased gift cards from XXXX, and the product was not sold as described since they do not manage prepaid Visa gift cards. XXXX does not accept returns, so they sent me to InComm, who is the provider of the gift cards. I filed a dispute and provided all the documentation necessary to get replacements, but they are stringing along. I was advised this would be a XXXX working day process and called back after the 30 days only to be told they needed additional days. I called today XX/XX/23, and they told me to give them 48 additional hours. At this point, I am out {$400.00} total in gift cards which is not reasonable.

Incomm : Contact : XXXX XXXX Filed Initial Complaint : XX/XX/23 Sent back XXXX Requested Update : XX/XX/23 Kept Calling intermittently Last call XX/XX/23 Before I filed a complaint
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)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2023-08-10
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: OneMain Finance Corporation (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for ARk purpose.
Consumer complaint received 2024-05-30
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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
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. (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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 is missing that should be on the report
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX and Equifax continue to deny any wrong found in credit reporting. I have filed multiple disputes that the information being furnished by the credit bureaus is incomplete and inaccurate. Completely violating my consumer rights under 15 USC 1681eb and 15 USC 1681s-2b. FIX THIS NOW OR GET SUED.
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. (TX)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-05-31
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. (MA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-30
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. ()

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-09-12
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. (CA)

Transunion, XXXX, and XXXX refused to accurately investigate or remove inaccurate accounts from my credit report as follows : XXXX XXXX with account number XXXX XXXX XXXX  with account number XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX  with account number XXXXXXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX with account number XXXX All of the above accounts are reporting inaccurate information and contain different information in all 3 bureaus, which violates 15 USC 1692e.
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. (NV)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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. (CA)

XXXX ) XXXX  XXXX : XXXX XXXX REPORTING 11 LATE PAYMENTS. DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX  XXXX REPORTING 15 LATE PAYMENTS. DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT AMOUNTS UNDER THE SAME ACCOUNT NUMBER- SHOWING AS CLOSED XXXX ) US DEPT ED : REPORTING AS CLOSED ACCT- DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT AMOUNTS UNDER SAME ACCOUNT NUMBER XXXX ) XXXX XXXX : {$2300.00} - REPORTING AS COLLECTION-DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT 5 ) XXXX XXXX XXXX XXXX XXXX  REPORTING AS COLLECTION- DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX  REPORTING AS COLLECTION-DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX REPORTING AS COLLECTION-DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER XXXX ) XXXX XXXX : $ XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX : XXXX  XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX REPORTING AS SOLD TO ANOTHER LENDER- CHARGE-OFF- DISPLAYING MULTIPLE TRADELINES FOR SAME ACCOUNT NUMBER. 
XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX REPORTING AS XXXX XXXX XXXX XXXX : $ XXXX REPORTING AS CHARGE-OFF-DISPLAYING MULTIPLE TRADELINES FOR THE SAME ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX REPORTING AS CHARGED OFF XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX REPORTING AS COLLECTION /CHARGE-OFF ACCOUNT DISPLAYING MULTIPLE TRADELINES FOR DIFFERENT ACCOUNTS XXXX ) XXXX XXXX XXXX- REPORTING AS CREDIT INQUIRY.
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. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
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. (FL)

Following 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 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX XXXX. Inquiry date : XX/XX/2023.
Consumer complaint received 2024-09-15
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. (GA)

There has been an identity theft on my Equifax credit report as someone is trying to apply for credit cards using my SSN and other info without my consent. There seems to be unauthorized hard enquiry with the name XXXX XXXX on XX/XX/2024
Consumer complaint received 2024-08-22
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: SANTANDER HOLDINGS USA, INC. (MD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
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. (GA)

I am submitting in response to the recent investigation. I disagree with your findings and request complete accuracy. I am not convinced that sufficient efforts were made to contact the creditors reporting this information on my report. Therefore, I am asking for more information regarding the specific accounts in question : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXXXXXX XXXX Balance Owed : {$XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX} XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$XXXX XXXX XXXX Balance Owed : {$XXXX}. As previously mentioned, under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions, as required by 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the items must be promptly updated in accordance with Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me once the accounts have been updated. Upon completion, please send an updated copy of my credit report to the address listed above.
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)

Ensuring timely payments on this account has always been my priority, and they have never been overdue. I'm uncertain about the reports of late payment remarks on my accounts. Based on 15 USC 1666b, these billing errors should be corrected.
Consumer complaint received 2024-08-22
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. (NV)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
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. (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 1681.15 U.S. Code 1681 ( XXXX  ) 15 U.S. Code 1666b 12 CFR 1026.13 15 U.S. Code 1681 ( XXXX  ) 15 U.S. Code 1666b 12 CFR 1026.13 15 U.S. Code 1692g 751 15 U.S. Code 1681b ( XXXX  ). 15 U.S. Code {$1600.00} 15 U.S. Code $ 1692g
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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. (NJ)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.