davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX : {$45000.00} XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-04
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. (CA)

Hi I'm XXXX XXXX XXXX, I've been a victim of identity theft due to the Equifax data breach, and I've discovered misleading items linked to my profile. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$390.00}
Consumer complaint received 2024-05-04
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. (DE)

I've always made sure to pay this account on time, never letting payments become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-05-04
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: EQUIFAX, INC. (GA)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX AM XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$13000.00} XXXX XXXX : {$1200.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX : {$520.00} XXXX  XXXX Balance {$5900.00} XXXX XXXX  XXXX Balance {$1100.00} XXXX XXXX XXXX  XXXX : {$2200.00} XXXX XXXX : {$7300.00} XXXX XXXX XXXX Balance {$310.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

It's necessary to adhere to FCRA 605B by eliminating incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. Compensation of {$1000.00} per incorrect entry on my credit file is expected.
Consumer complaint received 2024-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I do not own this account from XXXX  XXXX with a balance of {$290.00} opened in XX/XX/year> I have submitted to the credit bureaus and they have failed to remove from my credit file
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$360.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$530.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The inquiry was not authorized and this inaccurate address was not mine. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Peoples Financial Corp. (GA)

I would like to file a complaint against People Fin, XXXX XXXX, XXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/2024
Consumer complaint received 2024-05-04
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. (LA)

I contacted the credit bureaus when I noticed things on my credit reports that were wrong and needed to be fixed. I have not received a response back in 30 days. I checked my credit report today and my reports are still the same. I sent them detailed information on the incorrectness and also sent them the verifying identity information. I read on the FCRA website that if they do not respond in 30 days then they must delete the information.
Consumer complaint received 2024-05-04
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. (NY)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated or deleted.XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a victim 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 2024-05-04
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. (PA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (WI)

Why on earth would equifax allow those affected by the data breach between XX/XX/XXXX XXXX XXXX XX/XX/XXXX not allow you to file your complaint information on XX/XX/XXXX?? It only makes sense that you should able to file your info after XXXX in order to have all your correct info for those dates. I was affected by the breach and just needed to have my info through XXXXXXXX XXXX in order for it to be legit. This was just another way that they could XXXX me again. Seriously, how can you get the data for XX/XX/XXXX until XX/XX/XXXX?? Am wrong? Seriously XXXX off
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM A VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I HAVE TRIED TO FIX THIS ISSUE WITH THE BUREAUS, WITH THE CREDITOR, I HAVE GONE TO THE POLICE DEPARTMENT, I HAVE CONTACTED FTC AND THE ACCOUNT IS STILL ON MY CREDIT RPEORT. THIS IS NOT MY ACCOUNT. I DONT KNOW THE PERSON THAT COULD HAVE DONE THIS, BUT EVERYDAY WE HEAR THAT MILLIONS OF PEOPLE ARE A VICTIM TO DIFFERENT TYPES OF FRAUD. AND SCHAMS. AT THIS POINT I STRONGLY BELIEVE THAT THE BUREAUS PROBABLY SOLD MY INFORMATION ON THE BLACK MARKET AND THE CREDITOR BOUGHT IT. AND NOW THEY ARE PENALIZING ME WITH A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I DONT KNOW WHO ELSE TO CONTACT TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT FROM MY ENTIRE PROFILE.
Consumer complaint received 2024-05-04
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$17.00}, XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1100.00} Original Creditor : XXXX  XXXX Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-05-04
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. (MS)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

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 2023-10-25
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. (CA)

Company Inquires need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Noticed negative account was reported in my credit report XX/XX/. Account was for XXXX XXXX i've never opened an account with XXXX XXXX nor did I ever use their services. So this account is fraudulent and should not be on my credit report. Please removed immediately as this is improper use of my credit report and my personal information!
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NV)

I have filled out a 1099c form regarding this student loan, it was submitted XX/XX/year> and I have attached evidence that it was accepted by the IRS XXXX XXXX and mailed to them XXXX XXXX. This company has not updated my account to paid as agreed. 

I have tried to settle this matter for more than 2 months with the company, credit agencies as well as the companies trustee/indenture trustee as this is also a securities fraud matter
Consumer complaint received 2024-05-04
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. (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I am filing a complaint with Equifax and XXXX XXXX XXXX. I sent my first verify dispute letter on XX/XX/2023, to Equifax. On XX/XX/ 2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to XXXX XXXX XXXX, regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to Equifax stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. Equifax ignored my response and provided no reasonable method of verification on why they verified this debt.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I sent a letter last XX/XX/XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove all items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I believe that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-05-04
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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