davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$XXXX} DPT EDXXXX XXXX Balance Owed : {$XXXX0} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX} US DEPT ED XXXX Balance Owed : {$XXXX}
Consumer complaint received 2024-05-19
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. (AR)

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 XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX # XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX # 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 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 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX has been sent via XXXX receipt all furnisher documents, a dispute letter for notification of fraud due to identity theft, all verification documents, an FTC identity theft report, and a CFPB complaint, and has repeatedly been requested to delete this negative account victimized by fraud due to identity theft, for which XXXX XXXX XXXX was notified by myself in XX/XX/2022 of fraud committed by a hotel staff under identity theft and yet continues to willfully, neglectfully, and to cause personal financial and emotional harm by disregarding FTC, CFPB, and citations and if found to willfully, knowingly report inaccurate information may be held liable statutorily, and punitively inclusive of attorneys fees. This has been evidenced in defiance of the FTC, CFPB, and FCRA under fraud due to identity theft, and XXXX XXXX is repeatedly acting in direct opposition to regulations and laws in violation of my protections. 
Delete this negative account from all bureaus immediately.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

For the last XXXX  months, I have been trying to get Equifax to report XXXX different accounts correctly from XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. I am currently applying for a mortgage and their inaccurate reporting is making the process difficult. The accounts in question were charged off back in XXXX and the Inaccurate reporting is showing all three as a recent missed payment when all three accounts were settled with the respective companies in XXXX. As the accounts are all listed as closed prior to being settled, it stands to reason that a late payment for settlement is inaccurate on the part of the CRB. I have asked Equifax to correct this both online and by phone to which the information has come back validated everytime. DoFD are XXXX, XXXX, and XXXX respectively. By inaccurately reporting, Equifax is in violation of the FCRA.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-19
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. (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.

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 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

15 U.S. Code 1681 section ( a ) ( B ) ( c ) ( N ) ( o ) ( s ) Congressional findings and statements of purpose My credit report is showing everything is 100 percent on time but nothing has been changed All the inquiries have to be removed in each credit reporting system from XXXX Equifax and XXXX even tho XXXX is a 3rd party so they really cant report anything negative at all!!!! 

Everything thats charged off must be paid as agreed the credit cards old cars that are on there Privacy Act 1974 5 u.s code 552a Opt out laws ( Part 1016 PRIVACY OF CONSUMER FINANCIAL INFORMATION REGULATION P ) 12 cfr 1016.1 purpose and scope 12 cfr 1016.13 ( 14 ) ( 15 ) 12 cfr 1016.4 initial privacy notice to consumer required
Consumer complaint received 2024-05-19
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)

I am filing this complaint because both Equifax and XXXX are refusing to remove incorrect and unmailable addresses from my credit report. The addresses in question are : - 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  These addresses are not associated with my current or past residence and should be removed from my credit report. 

Additionally, both Equifax and XXXX are reporting incorrect employment information for " XXXX XXXX, '' which is not and has never been my employer. 

Relevant USC Codes : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports - This section stipulates that no consumer reporting agency may include incorrect or outdated information in a consumer report. The presence of these incorrect addresses and employment information violates this requirement.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy - This section requires consumer reporting agencies to reinvestigate and correct inaccurate information in a consumer 's file. Despite my request, both Equifax and XXXX have failed to correct the inaccuracies. 

3. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies - This section mandates that information provided to consumer reporting agencies must be accurate and complete. The refusal to remove incorrect addresses and employment information indicates a failure to uphold this responsibility.
Consumer complaint received 2023-05-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
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: Experian Information Solutions Inc. (FL)

Filed lawsuit against them for their failure to comply with FCRA requirements especially refusing to comply with FCRA 605B which proper documentation was provided to them by my attorney. 

Failure to comply with FCRA requirements has resulted in the XXXX of XXXX XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX have also contributed to the lack of XXXX not being made eligible for any credit products being that they were more concerned about their financial relationship with the bank ( trade lines ) than their compliance with the federal law. 

Refusing to suppress the XXXX XXXX XXXX XXXX XXXX and Refusing to Remove the XXXX plus fraudulent inquiries reported by their credit agency.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Equifax and XXXX have inconsistencies on a account that they're reporting on my credit report with XXXX XXXX XXXX. 
Equifax has reported that the Balance on this account is {$26000.00} XXXX has the Balance at {$14000.00} both balances are incorrect the true balance is {$11000.00} as XXXX has reported to me proof of this will be downloaded through the CFPB portal Equifax reported the account type as Installments XXXX reported the account type as XXXX XXXX Equifax has reported Repo date as XXXX XX/XX/2023 XXXX has reported Repo date as XXXX XX/XX/2023 Equifax has reported date of last activity XX/XX/2023 XXXX has reported last activity XXXX 2023 Equifax has report the account to be XXXX XXXX has reported the account number to be XXXX These inconsistencies unacceptable and is a violation with FCRA proof of all this is downloaded through the CFPB Portal.
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC (GA)

I've had my car with US autos for 5 years. The car loan originally was XXXX. How after 5 years I still owe {$10000.00}. I believe US autos was not taking my money and put it in it towards my car. I don't know what they were doing with my money.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am writing to bring to your attention a discrepancy in my consumer credit report that I have noticed across the major credit reporting agencies. Recently, XXXX accounts have been successfully removed from my XXXX credit report. However, as of this writing, these same accounts have not been removed from my XXXX and Equifax reports. 

The accounts that have been removed from my XXXX report are as follows : XXXX XXXX XXXX XXXX XXXX 
Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX ) XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX The accuracy and timeliness of my credit report information are of the utmost importance to me. Having inconsistent information across different credit reporting agencies can negatively impact my credit standing and any financial opportunities that may arise. I am kindly requesting that XXXX and Equifax update their records to reflect the changes made by XXXX. 

Please find attached the documentation from XXXX that confirms the removal of these three accounts from my credit report. I trust that this will assist in expediting the necessary updates.

Thank you for your immediate attention to this matter. I look forward to your confirmation once the updates have been made
Consumer complaint received 2024-08-28
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. (MA)

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 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-05-01
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: Bread Financial Holdings, Inc. (CT)

I have filled numerous complaints with XXXX and XXXX  and XXXX yet all of them have different information. I have cleared up 3 issues which 1 was a fraudulent issue one was a prior complaint I sent to you because I couldnt get them to resolve it and another was my sister was a user on a card a passed
Consumer complaint received 2024-05-19
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. (WV)

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 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Hello! I had an old account with XXXX XXXX XXXX ( the original creditor is XXXX XXXX XXXX XXXX XXXX appearing on my credit reports erroenously for more than three years. The collection agency requested this account be removed with all three major credit bureaus effective XX/XX/2020 however it still appears on my credit profile.The account number is XXXX. I have attached a letter from the collection agency confirming the account is paid, and that it should be deleted from my profile. Let me know if you need additional information. Thank you!
Consumer complaint received 2024-05-19
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)

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, credit inquiries are only permissible under specific circumstances, such as with my explicit authorization. As I did not authorize these hard inquiries, they are in violation of this statute.

I am requesting that you : Investigate : Conduct a thorough investigation into these unauthorized hard inquiries.

Remove : Delete these unauthorized hard inquiries from my credit report.

Confirm : Provide written confirmation that these inquiries have been removed.

Attached to this letter, I have included a copy of my identification and any other necessary documentation to verify my identity and support my dispute.

I appreciate your prompt attention to this matter. The presence of these unauthorized inquiries is negatively affecting my credit score and financial well-being. I look forward to your swift resolution of this issue.

Thank you for your cooperation.
Consumer complaint received 2024-05-19
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. (AL)

In according to the fcra Section 605B it is is illegal to report information on my credit report without my permission thank you please remove these inquiries from my credit report now.

Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2017-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (OH)

I applied for a credit card art my local XXXX dealership. I was denied due to having a freeze on my report. Citicards only use XXXX for credit decisions. 

I have been blocked from taking advantage of 0 interest rates and extended time to pay.
Consumer complaint received 2023-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

I previously had an FHA mortgage with Wells Fargo which they took over via assignment in XXXX and more importantly executed a modification in XXXX. This loan was paid in full in XXXX of XXXX and a lien release was executed but it omitted any reference to the modification which is the crux of this issue. I have called numerous times ( at least 8 ), sent letters, and emails ( which bounce back as they have no functioning email to the best of my knowledge ) and I have yet to get precisely what Ive asked for. I simply need for Wells Fargo to specifically release the modification via an affidavit or lien release pursuant to OCGA financial statutes. I cant stress the financial harm this has caused and continues to cause to my family and I.
Consumer complaint received 2024-06-12
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. ()

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"