davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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 received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : [ XXXX XXXXXXXX : XXXX XXXXXXXX XXXX XXXX ENDING IN XXXX Your company is clearly in violation of the law. 

Under 15 U.S. Code 1681a Definition ; rules of construction 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information Prohibition ( A ) Reporting Information with actual knowledge of errors, THE LAW CLEARLY STATES IN 15 U.S. C 1681a 2 ( A ) ( i ) ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please change the above late payments to paid as agreed on my consumer report ; this agency is in violation of 15 USC Failure to respond satisfactorily with changes of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collectors Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I pulled my free annual Equifax credit report using XXXX. I identified an incorrect address on my report. The report provides address : XXXX XXXX XXXX XXXX, MI XXXX. I have never lived in Michigan. I attempted to use the online dispute method " To initiate a dispute online please visit https : //www.ai.equifax.com '', but the URL provided will not pull up. I've tried on multiple devices to ensure I wasn't experiencing a networking issue on my side. Equifax should ensure their services are active and available for disputes as required by law.
Consumer complaint received 2024-08-14
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)

I realized today that XXXX XXXX XXXX. Is on my Equifax credit report. The information reporting is false and XXXX XXXX never sent me anything before I seen it on my credit report today. I received nothing from this agency regarding this alledged debt yet it is on my credit report. 

I never had an account with this company as I am not liable for this debt and I have no contract with this company that has failed to provide the name of the original creditor which is a clear violation of the FCRA and FDCPA at the very start I count several violations already that I would seek monetary damages for the violations committed thus far. 

I am requesting complete validation as I dispute this debt in its entirety and also request a collection contract or a PURCHASE AGREEMENT if you allege to own this alledged debt that I will sware in a court of law does not belong to me. I received no information about this alledged but yet it is on my equifax report. 
Delete this account from my credit report or I will seek legal representation for FCRA and FDCPA violations.
Consumer complaint received 2024-05-09
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 convey a sense of urgency and frustration regarding the fraudulent accounts that have infiltrated my credit report. It is crucial that you take prompt and decisive action to address this issue, as it is severely impacting my financial well-being. I hold Equifax accountable for allowing these errors to persist. Despite my persistent efforts to seek justice and resolution, these fraudulent accounts persist on my credit profile, causing significant harm to my financial reputation. I am not simply requesting, but rather demanding that Equifax conduct an immediate and thorough investigation into these disputed accounts, remove them from my credit report, and provide me with an updated credit report that accurately reflects my creditworthiness. 

XXXX XXXXXXXX
Consumer complaint received 2024-05-09
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items I am asking you to verify as accurate Account name [ XXXX XXXX ] ORIGINAL XXXX XXXX XXXX ] [ ACCOUNT # XXXX I'M NOT LIABLE FOR THIS DEBT with [ XXXX XXXX XXXX. I DO NOT HAVE A CONTRACT WITH [ XXXX XXXX ]
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX Account name : # XXXX XXXX, Account name XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete
Consumer complaint received 2024-05-09
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. (VA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CT)

Regulation Z, Section 1026.53 requires payments in excess of the minimum be applied to the highest rate portion of the outstanding balance first. 

Citibank applied my payment in excess of the minimum to the lowest rate balance. It is required to go the the highest rate. I have been overcharged interest as a result. They have refused to address the mistake. 

On my XX/XX/2023 statement, the standard purchase balance was {$1800.00} On my XX/XX/2023 statement, the standard purchase balance was {$4100.00} The standard purchase balance, which is the highest rate portion of my balance ( 22.74 % ), actually increased. The payment was incorrectly applied to the lower rate balances My payments on the XXXX statement exceeded the minimum amount due by more than {$10000.00}. 

New purchases were {$3900.00}. 

The overall card balance decreased by more than {$6000.00} I attempted to resolve this through a series of phone calls with citi. Their representatives seem to be reading from a script that they are unwillng to deviate from. This results in answers that are not addressing the actual issue I am seeking to address. 

In a XX/XX/XXXX phone call, Citi representative XXXX admitted the mistake but said he needed to involve a supervisor to correct it. I was connected to XXXX who put me on hold, then disconnected after several minutes keeping me on hold. 

The net excess payment was applied to my lowest rate balances. It is a violation of reg z and needs to be fixed.
Consumer complaint received 2024-05-09
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)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 and XXXX XXXX XX/XX/XXXX. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$210.00} ; TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
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. (OH)

To whom this concerns, Good afternoon, my name is XXXX XXXX and I have been looking into my credit a little closer recently and have noticed quite a few items that do not appear right. I have been wondering why I have been getting denied any kind of credit and it has really taken a strain and hardship on my life. Please if you could take a look into this matter for me. I have tried disputing before and no one really seems to care. Thank you for your time. 
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 Account # XXXX in the XXXX {$2400.00}. XXXX Account # XXXX in the XXXX {$6900.00}. XXXX Account # XXXX in the XXXX $ {$3800.00}. XXXX Account # XXXX in the XXXX {$1300.00}. Aidvantage and XXXX Has violated my rights. When attending XXXX university I was not notified at the time they there were going out of business in XXXX Ohio. I took a break due to physical XXXX issues and then XXXX XXXX happened and I wanted to return to college to find out the school went out of business. The debt since is almost XXXX XXXX XXXX. So I spoke with XXXX which has now turned over my debt to XXXX XXXX and both parties that I spoke to told me the loan would be XXXX under the debt forgiveness program as a closed college situation and also the 10 year length of time the account has been open. I feel they are purposely trying to hurt my well being and I want this taken care of please. 
15 U.S.C. 16815-2 ( 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.

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 fumish a account without my written instructions
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. The account is as follows : XXXX - XXXX Your organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently XXXX XXXX XXXX ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 

Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer. 

In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of your agency. This is because I did not provide written consent for you to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2024 I sent Transunion a Debt Validation Letter Regarding below accounts XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX To VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from my credit file they maintain my social security number. As of today it's been over XXXX days from XX/XX/2024 and Transunion has failed to respond as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), These accounts have not been validated, updated, or deleted.
Consumer complaint received 2024-05-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC. (NY)

I am writing to you based on the recommendation of Ally customer service department regarding my credit rating and account with their company. I have been a loyal customer of Ally Financial Inc for many years, specifically since XX/XX/2020. Throughout our XXXX and XXXX business relationship, I have consistently adhered to the terms of our account agreement and fulfilled all payment obligations. I want to express my gratitude for the excellent service they have provided. To my surprise, I recently received an alert from my credit monitoring company informing me that I was 30 days late on a payment of {$290.00}, of which I had no prior knowledge. This oversight has had a significant negative impact on my credit rating, causing it to decrease by XXXX points. Recognizing the importance of our account, I immediately made the payment of {$290.00}. I sincerely apologize for this error and oversight, as it is not consistent with my impeccable payment history with their company. I have always made timely payments and fulfilled my obligations without any delays. The only plausible explanation I can think of for this mix-up is the transition period between the maturity of the previous lease and the extension of the current lease. However, regardless of any financial obligations that need to be met, I am committed to honoring them and continuing to make payments as agreed. I am truly grateful for the years of positive credit history I have built with their company. However, the recent late payment mark on my credit reports is causing me significant distress. I have plans to keep the vehicle and finance the remaining balance of the maturing lease with Ally 's institution, as well as to purchase a house. Unfortunately, this negative mark will adversely affect my chances of obtaining favorable rates and terms. This is where my " Goodwill Request '' becomes relevant. I am in desperate need of restoring my credit rating to its previous positive position prior to this oversight. I would greatly appreciate it if Ally could please complete a UDF ( XXXX XXXX Form ) and fax it to the credit bureaus as a " Goodwill Adjustment '' to have the XXXX late payment entry deleted and removed. Alternatively, you may send me the necessary correspondence, and I will personally forward it to the credit agencies to avoid any inconvenience to your company. It would also be helpful to have a copy of this correspondence for my records. Please let me know whichever option is most convenient for your company. The credit bureaus have informed me that they will act in accordance with your instructions, but they require written confirmation. I humbly request your assistance in this matter, taking into consideration my longstanding positive account history of 42 months with Ally financial company. Your attention and consideration will be greatly appreciated. Kind regards, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION (FL)

I feel like I've been living in XXXX XXXX for the last ten years. This account with Truist bank is an auto loan I took out over XXXX wars ago. Ive paid off the account but the account is still showing up as closed and paid off on my credit report and its showing up as a negative account. Fist of all I don't know how an account I paid off in full can be showing up on my credit report as a negative account. Furthermore an account can only stay on someones credit report for 7 years if its a negative account and this account has been on my credit report since 2014 which is about 11 years ago .The account in question is with Truist Bank and the account number is XXXX. This account is holding me back from obtaining credit.
Consumer complaint received 2024-07-17
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)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (AZ)

I don't recall having a contractual relationship with this collection company Sequoia Financial Services. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.