davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
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. (TN)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been well over 30 days and you are in XXXX of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. 
These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

I had a fha loan in 2009 that was short sold. I was not delinquent. They just removed the dhi mortgage account from my credit & dropped my score XXXX points when I have had great standing with my credit & that should have been removed years ago but at this point my score should of went up instead of down. I have been working very hard on building my credit & every time Im in good standing they find a factious reason to change or add something negative to my credit that drops my score tremendously. I feel this is truly not fair & should be looked into & Reevaluated. Thank you for your time & consideration in this matter.
Consumer complaint received 2024-06-04
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. (WI)

In accordance with the fair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C. 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 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 that 7 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 the information is accurate.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (TX)

I have been a victim of multiple data breaches, and now there are collections on my credit reports that does not belong to me. It is damaging my credit. 
According to 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove.
Consumer complaint received 2024-06-05
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)

XXXX XXXX XXXX {$7100.00} I have been communicating with the company as well as sent them my police report for this fraudulent account. This account should be removed from all bureaus by now. Enclosed is a copy of my police report.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DEAR, TRANSUNION I WOKE UP THURSDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-16
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. (NJ)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Dobt ) for the following charged off accounts listed below. ( XXXX XXXX XXXX ) After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2024-05-16
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
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 looked at my EXPERIAN credit report on XX/XX/2024 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 supposed 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXXXXXX XXXX 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 XXXX and XXXX 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. 

XXXX XXXXXXXX XXXX  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 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I received 29 posted charges of {$19.00} from " XXXX '' which I did not authorize deeming this was fraudulent activity. On XX/XX/XXXX, I received another XXXX posted charges of {$19.00} from " XXXX '' which was again, fraudulent activity. I disputed the first 29 charges because they were posted charges and was credited the {$570.00} from a Chase claim supervisor named XXXX. Once the remaining 28 charges were posted, I filed another claim which I was credited {$550.00} 2 hours after the call. I did not approve nor did I make the 57 charges of {$19.00} ( {$1100.00} ), every person I spoke to also agreed that this was fraudulent activity. The Chase supervisor who helped me out was " XXXX XXXXXXXX '' and provided me with information such as reference #, claim #, but no documentation about my claim. I was also told that I was going to receive information and never received any email, notifications, or documentation regarding my claims. I have spoken to Chase claims about 4-5x with each phone call being 30 minutes to 1 hour. All of which they stated that I was going to receive documentation about my claims, none of which appeared in my account or email. On XX/XX/XXXX, I just discovered that 32 claims were reversed totalling {$630.00} because my debit card is at a balance of " {$0.00} '' and I received an email stating I was in danger of an overdraft fee. Chase has now reversed {$630.00} of fraudulent activity without even explaining or updating me about my claims.
Consumer complaint received 2024-08-29
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. (PA)

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update the account to XXXX Late and send me a copy of my updated credit report. 

I have also attached proof of payment : Bank statement XXXX XXXX  confirmation statement Waiver fee reimbursement due to the mistake Account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I've recently receieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-04
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. (MI)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS GLBLNDSVCS Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS NATLCRSYS Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY Account Number : XXXX Delete this account.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA XXXX. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was a victim of identity theft, my id was stolen and used to get loans and credit. I filed the correct paperwork and sent to the credit agencies. The disputes have not been filed correctly and I have not gotten copies of the verification process. All these things are a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
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: Experian Information Solutions Inc. (FL)

I sent a dispute letters to Experian requesting proof that they had verified an account on my credit report prior to reporting the information. Since that time I have sent 3 additional letters requesting this data, which they have not provided.

Consumers are entitled to review the original sources of the information reported, including originating documentation. Since no information at all has been provided by the bureau, it is impossible to verify that these accounts are being reported accurately.

Please direct Experian to promptly remove the unverified items from my credit report until they can verify their legitimacy.

I have attached copies of all letters sent, along with receipts from the U.S. Postal Service indicating the mailing dates and the date they were received by the credit bureau, along with copies of all correspondence I have received from the bureau. 

Thank you very much for your help.
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MEGASTAR FINANCIAL CORP (CO)

My mortgage company Megastar Financial changed their billing address, and in the process they also changed my account number. I had been using an Automatic Draft Payment option, which somehow did not get transferred. I never received notice that I had an intermittent payment due, but I did get phone calls Megastar Agents on numerous occasions ( even after I had fixed the problem. ) Then, when I tried to adjust my account numbers, the steps were numerous and cumbersome, and resetting the Auto Draft program was delayed. This delay also happened without Megastar notifying me, until an agent called and threatened me with a Collection Agency. The worst part was that she could even see that I had Auto Draft set up, but that it was n't activated yet.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Name : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX  XX/XX/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 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I had a XXXX XXXX XXXX loan with XXXX XXXX XXXX and I set up auto payment monthly. Last XXXX the car was total loss. My automatic payment stopped somehow after making payment in the end of XXXX when I was outside of U.S. The XXXX XXXX XXXX XXXX XXXX XXXX had issued the balance check to XXXX in XXXX. But for some reason XXXX didn't received it then the insurance company re-issued and XXXX  received and deposited which made my balance XXXX. 
But when I came back I found that my credit score was severely decreased because of the earlier delinquent amount. I never stopped the payment. I don't know who stopped the payment without notification. I mailed XXXX  about the dispute 20 days ago and got no response until now which affected my application for mortgage recently.
Consumer complaint received 2023-09-15
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. (IL)

Equifax continues to report this alleged bankruptcy with no validation. I called the clerk of court, and they stated that the court DO NOT release bankruptcy information to anyone that is not a party to the filing or the attorney, this means that it is impossible for Equifax to validate this alleged bankruptcy.
Consumer complaint received 2019-06-26
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. (FL)

XXXX  ; XXXX and Transunion are reporting incorrectly an account balance on the XXXX XXXX account number *XXXX. ( Please see page 6 of the attached credit report. ) This account has been paid. I have attached a copy of the letter from XXXX XXXX XXXX dated XX/XX/2019 stating that this account has been settled as of XX/XX/2019. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.