davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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)

In accordance with the Fair Ctedit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Self XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Under FCRA 605B, it's imperative to expunge any erroneous accounts from my credit report. Could you kindly verify the documents? Some of the listed accounts exhibit inaccuracies in their reporting and necessitate immediate removal.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I went through identity theft a few years ago and someone fraudulently opened up several accounts in my name, credit cards, loans and even an apartment in XX/XX/XXXX. I live inXX/XX/XXXX. I contacted the apartment complex and the collections agency that the apartments hired and sent them tons of sufficient evidence to prove that I didnt live in the state of Missouri and that Ive never been to that apartment. I sent them my lease in XX/XX/XXXXfor that current year, I sent check stubs for that duration to prove I worked full time in XX/XX/XXXX, I sent a copy of the police report to prove theres an ongoing investigation and I also sent a picture of my drivers license to show that it will not match the one they seen when the lease was executed even after all of these things, theyre still saying its my account and will not remove it from my credit report.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to address a concern I have discovered upon reviewing my credit report. It has come to my attention that there are late payments inaccurately reported on my account, specifically related to the XXXX XXXX XXXX account. 

I wish to bring to your attention that these late payments are not accurate, and I believe there may have been an error in reporting. In support of my claim, I have enclosed documentation, including payment records and correspondence with XXXX XXXX XXXX, to substantiate the correct payment history. 

XXXX XXXX XXXX XXXX  - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I kindly request that you conduct a thorough review of the information provided and take the necessary steps to correct my credit report promptly. Accurate credit reporting is crucial, and I am confident that your intervention will help ensure the integrity of my credit history. 

Thank you for your prompt assistance in resolving this matter.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : 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 an 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 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. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION (MN)

On XX/XX/2018 I went to XXXX XXXX  XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX XXXX  XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.
Consumer complaint received 2017-05-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Byrider Franchising, LLC (MD)

on  XXXX   XXXX ,    2017  i was i n a one car ac cident that resulted in my car being totaled. i had both full coverage through  XXXX  insurance and gap through  XXXX   XXXX ,  XXXX  has sent in  XXXX  checks on my behalf.  XXXX  was for {$3800.00} and the other for {$770.00}, which left a balance of {$5200.00}. My gap however is taking a little longer than expected and now after a year and a half of no late or missed payments,  JD Byeryder  is threatening me with a reprosession of a car i haven '' t had since  XXXX  if i do n't give them another payment today in which i 've already paid  XXXX  and  XXXX  for fear of this happening. I already have another car and that payment is {$320.00} and i do n't have enough to pay for both. Also, I spoke with someone from the dealership and she told me that she spoke with my gap insurance and said the {$770.00} check was from them and they said they were n't paying anymore. I told her that was n't true and that she was wrong but i am stuck on my decision because I do n't want that on my credit.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (IL)

Equifax provides a 3rd party income and employment verification service referred to as The Work Number. As a consumer, I'm supposed to be able to request a copy of my report. In order to request the report, you have to first request access to the secure email portal by emailing XXXX No one has responded to my request.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding inaccurate reporting of late payments from XXXX XXXX XXXX  on my credit report for account XXXX. According to Equifax 's records, I have been marked as 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX However, I believe this to be a billing error and wish to contest these claims. 

As per the Fair Credit Billing Act, creditors are required to send billing statements at least 21 days before the due date. I did not receive any billing statements from XXXX XXXX XXXX for the aforementioned months within this timeframe. Therefore, I contend that the reported late payments are invalid. 

I kindly request that Equifax provide evidence to support their claim that I received the billing statements at least 21 days prior to the due dates. Specifically, I ask for a copy of the certified receipt with my signature acknowledging receipt of the statements. Without such evidence, the reported late payments should be updated to paid on time on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I would like to emphasize that this discrepancy not only damages my credit score but also violates my rights under the Fair Credit Billing Act, specifically 15 U.S. Code 1666 ( b ). 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to rectify the situation. Please keep me informed of any developments regarding my complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Email : XXXX Phone : XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Mortage company XXXX. Filed for chapter XXXX bankruptcy in XX/XX/XXXX in Delaware. XXXX stopped reporting made payments shortly after. After I realized they stopped reporting I made several attempts to get them to report to the 3 credit bureaus. It is not a federal law preventing them from reporting just an internal memo from XXXX itself. I was made aware from XXXX the only way to get the bankruptcy removed and have XXXX start reporting again was to refinance with a new loan number. I tried that in XXXX and was denied by XXXX for lack of revolving credit. I have had multiple disputes with all 3 credit bureaus to get the balance and made payments correctly adjusted. I have attached year end XXXX, XXXX, and recent monthly statement to back up my claim. I have had no success as it shows closed on credit reports with missing/incorrect information. This has caused irreputable harm to my credit and will never be able to obtain a loan again also scores have dropped very low, XXXX is now a XXXX. I have never had any missed payments in the 4 years since filing for bankruptcy. Please force them to report accurate information showing updated balance and made payments on time. XXXX has confirmed the bankruptcy will always be attached to my loan number. They will never report again even after bankruptcy is complete. And according to them I will never be able to re finance because of no credit.
Consumer complaint received 2023-12-18
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I filed for XXXX  XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. XXXX XXXX XXXX was included in the bankruptcy. They have now in the month of XX/XX/XXXX added the debt back to my credit report. They are aware that the account they have from XXXX at XXXX was discharged. They then attempted to pass the debt to my son. They are stating that he was a co applicant. However, he was a minor at the time. He was not of age to be on the lease. I have advised this debt collecting agency of this several times. Now they have added this account back to my credit file. At this point, I will seek legal action because this is causing emotional distress. I will definitely be reporting to the bankruptcy court of their continued attempts to still collect a debt that was discharged in federal bankruptcy. This lease was never a co- applicant lease. He was a XXXX  living with his mother. I have been more than patient with XXXX XXXX XXXX.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under FCRA 605B, it's imperative to expunge any erroneous accounts from my credit report. Could you kindly verify the documents? Some of the listed accounts exhibit inaccuracies in their reporting and necessitate immediate removal.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I've consistently maintained timely payments on this account, ensuring they're never overdue. I'm uncertain why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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
Consumer complaint received 2023-12-18
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)

5 usc 1681 permissible use -never gave permission to furnish my credit report 1666b Timing of payments - Can not report a late payment on a open end Credit Account Section 602 States I have the right to privacy 15 usc 6802 obligations with respect to disclosure of personal information ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 usc 6803 Disclosure of institution privacy -At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title
Consumer complaint received 2024-04-16
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to you with a sense of urgency and frustration regarding the grave inaccuracies in my credit report. Your failure to report accurate information is affecting my ability to secure a mortgage and is also causing me a great deal of stress. I have discovered several errors on my credit report which are impacting my credit score, and I demand that you take immediate and necessary action to rectify them. I have done my research and I know that it is your legal obligation to investigate and resolve disputes within a 30-day period. The following are the inaccuracies that I have identified : XXXX XXXX XXXX XXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-12-18
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)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.