davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-01
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. (OH)

I attempted multiple times to remove a address from my credit report that do not belong to me. I tried to re investigate and dispute and this is what I got from experian : That reason can't be processed online. 
This Address was reported to XXXX by XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

The accounts in question is XXXX, XXXX XXXX  and XXXX. The address that do not belong to me is XXXX XXXX XXXX, XXXX ohio XXXX. I did not authorize these credit accounts and i have never lived at such address above. I just graduated from XXXX XXXX. All the inquiries are erroneous too. I do have a XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, and a XXXX. Those cards I did apply for and received. 


The laws for re investigation through FCRA states : 15 U.S. Code 1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

The CRA 's are violating the laws and if this is not rectified I will be contacting legal representative.
Consumer complaint received 2023-11-30
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. (MD)

please remove from my credit file - I did not provide my info to have my credit run. They ilegally sold my name and social to other companies 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 Auto Dealers , Used XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used 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 Auto Dealers , Used 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 Auto Dealers , New XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, New 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 Auto DealersXXXX XXXX XXXX XXXX XXXX XXXX Auto DealersXXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Dealers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX Auto DealersXXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers , Used XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Dealers, New XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Auto Dealers , Used XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Requests sent to update my personal information and my address with all XXXX credit bureaus and as of Today XX/XX/23 Equifax and XXXX have not corrected the information on my report. I also filed a requests for them to remove Accounts off of my report with XXXX and Equifax and XXXX the last one was sent back in XXXX. As of today they have not removed the requested Items. I am attaching a copy of the letters I sent to them with the requested Items and the rules supporting my request and all the supporting documentation that has been sent to them on XXXX different occasion. 

I would like to thank you in advance for your time and assistance with this matter.
Consumer complaint received 2024-06-07
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. (KY)

I sent a letter onto remove items that is 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/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2024-06-07
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. (NY)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-07
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. (VA)

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 XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit repoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-07
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. (PA)

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 2019-05-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (HI)

The initial loan taken out in Virginia was made by me in store. There several other loans that were taken out in my name that do not match my bank statements. There are no deposits to my account on dates that have loans taken out by OMNI financial. I spoke to company to try and pull loan documentation they sent me over loan papers that dont even have a signature and some that dont match my signature. The initial store doesnt exist no more so they said that those documents they can not find. I have been paying this loan off for years and should have been done. This is directly affecting my lifestyle in the military. I cut the loan off from direct deposit because I shouldnt have been paying this loan for these many years. The company is not trying to help at all every time I speak to someone they just ask where is the money. It took them so long to just send the statements I asked for twice.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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 XXXX XXXX XXXX XXXX XXXX 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XX/XX/year> Medical XXXX
Consumer complaint received 2024-06-22
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. (AZ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-06-07
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)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

Ive mailed LexisNexis is numerous occasions and they have failed to respond each time. 

The most recent cease and desist letter was mailed on XX/XX/XXXX. 

LexisNexis is illegally violated my rights under 15 USC 1681 by sharing/selling my personal information to credit bureaus without my written permission.
Consumer complaint received 2023-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DataMax Corporation (NC)

The debt was paid in full to Data Max on XX/XX/23, I was told that XXXX XXXX XXXX XXXX was who I needed to contact about removing it from my Credit report. 
City of XXXX said Data Max is suppose to be the one to report to the XXXXredit agency 's These two Company are playing game 's with me on which one is the correct one to report to the credit agency for removing it off my report. I'm waiting to close on my house this is the last bit of information needed. Please help!!!
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account 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 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (TX)

Dear Wells Fargo Team, I appreciate your response to my concerns ( Case Number : XXXX ), but I must express my ongoing dissatisfaction with the lack of resolution. Despite multiple attempts to add my XXXX XXXX account to my Wells Fargo online profile, the issue persists. Your suggestion to contact the Online Banking Department has proven unhelpful, leading to continued frustration and confusion. 

I have escalated this matter to the Consumer Financial Protection Bureau ( XXXX XXXX : XXXX ) due to the unresolved nature of the problem. I urge you to reevaluate the situation comprehensively, as it directly impacts my ability to manage my accounts effectively. The closure of the case without a satisfactory resolution is disappointing and does not reflect a genuine effort to address my concerns. 

I expect a more thorough investigation and a resolution to this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2023-12-18
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (WA)

From XXXX to XXXX, I was involved in th idea that I had great approval odds for credit cards that insulted in many hard inquiries and predatory assumptions that I would be approved. This caused my credit score to not only drop but made it where other financial services would not provide me approvals for low interest loans ect because of the inquiries. Credit Karma created misleading information saying I'll have great approval odds but the truth was I had very little approval odds and was constantly denied the low interest loan or credit card in a higher limit. Credit Karma gave me false beliefs and I have suffered cause of it especially trying to get into apartments, attaining a loan for house and a low interest loan for a car.
Consumer complaint received 2024-06-06
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.

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 2023-12-18
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: U.S. BANCORP (FL)

I would like to dispute the transaction made to XXXX on XX/XX/2023 for {$620.00}. Reference : Reference number XXXX The Vendor, XXXX XXXX, agreed to refund but the purchase still shows up on my statement.