davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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 am writing to file a formal complaint regarding the ongoing presence of fraudulent items on my credit report. 

Despite my repeated efforts to dispute and remove these fraudulent items, they continue to tarnish my credit report, posing a significant threat to my financial well-being and reputation. These inaccuracies have caused immense stress and anxiety as I strive to rectify this situation and restore my creditworthiness. 

I have provided ample evidence of the fraudulent nature of these items and have adhered to all procedures outlined in the Fair Credit Reporting Act ( FCRA ) to resolve this matter. However, it is disheartening to see that my efforts have yielded no tangible results, leaving me in a precarious position with creditors and lenders. 

I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Furthermore, I expect a formal explanation for the repeated failure to address my concerns and uphold my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7700.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6600.00} US DEPT ED XXXX Balance Owed : {$9000.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXXXX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 am writing to formally lodge a complaint regarding serious inaccuracies present in my EQUIFAX credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported accounts were not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my EQUIFAX credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy. 
Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge EQUIFAX to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
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. (MD)

I Sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) According to the FCRA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (CA)

I sold my house on XX/XX/2023 and I was due an escrow refund from my mortgage company LoanCare amount of {$4100.00} within 30 days I contacted them numerous times and they tell me a check should have been mailed out within 10 business days of closing. The address on file was verified as the correct one, but I have yet to receive my check in the mail still. I offered to pay for tracking so I can locate the check, but they tell me that is not possible. They continue to tell me nothing can be done in regards to locating my check except wait for 30 days since they sent the check so they can send a new one.
Consumer complaint received 2024-04-16
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. (TX)

I am writing to file a formal complaint regarding the ongoing presence of fraudulent items on my credit report. 

Despite my repeated efforts to dispute and remove these fraudulent items, they continue to tarnish my credit report, posing a significant threat to my financial well-being and reputation. These inaccuracies have caused immense stress and anxiety as I strive to rectify this situation and restore my creditworthiness. 

I have provided ample evidence of the fraudulent nature of these items and have adhered to all procedures outlined in the Fair Credit Reporting Act ( FCRA ) to resolve this matter. However, it is disheartening to see that my efforts have yielded no tangible results, leaving me in a precarious position with creditors and lenders. 

I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Furthermore, I expect a formal explanation for the repeated failure to address my concerns and uphold my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX TX XXXX7 US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7700.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6600.00} US DEPT ED XXXX Balance Owed : {$9000.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. (TX)

On XX/XX/2013, XXXX the balanced of {$2300.00} the original creditor is XXXX XXXX XXXX I took a look at my credit report and noticed inaccuracies on my credit report.I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. I also stated to please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation.I also stated to please mail me the proof of your investigation and proof that this debt or deleted account within 30 days.
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. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of XX/XX/1974 the Privacy Act of XX/XX/1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2022-09-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. As this account they failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MD)

Items have improperly been associated with my ssi during covid, Credit information was exposed during XXXX data breach. Ive currently filed a claim because I was impacted by the breach. Im also seeking help in removing negative debts that are effecting my credit score.

Accounts that has 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 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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

It's been over 30 days and I have inconsistencies between all 3 reports that has not been updated or removed including inquiries, collection accounts that should not be on my report. Personal information and late payments that are inconsistent. I ask that the inaccurate information be removed immediately as these were requested over 30 days and it has not been reflected.
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-04-16
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)

I submitted this complaint to REMOVE this suspicious information. 3 Credit Bureaus must validate these ITEMS by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16
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)

I submitted this complaint to REMOVE this suspicious information. 3 Credit Bureaus must validate these ITEMS by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

To date I have made {$5100.00} of payments on this account. Each time I pay the money is held unless funds and payments have been verified. 

XXXX a {$200.00} charge was kicked back. I was traveling and had a medical emergency multiple XXXX XXXX in XXXX, TX and in XXXX  With all of the medical copay costs adding up it created my first overdraft in years in in XXXX XXXX  account, thus a charge back. 

I am XXXX in XXXX and believe that Capital One Bank has profiled me or hot carded me. I have multiple accounts with this banks and only have problems with my XXXX XXXX. On my XXXX account my payments clear in seconds. As a sick person during the holiday season, my payments clearing and posting is vital to my heath and for providing a XXXX XXXX to my family and friends. Thanks for looking into this matter.
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. (MD)

I am writing to formally address my ongoing concern and dissatisfaction with the persistent challenges I have encountered in correcting the late open account information associated with my profile. Despite multiple attempts to rectify this issue through various channels, I am disheartened to report that the problem remains unresolved. 

I initiated the process to address the late open account discrepancies by submitting formal requests through your online platform, contacting your customer service department, and visiting the branch in person. Regrettably, these attempts have not yielded the necessary corrections, and the inaccurate information continues to impact my financial standing. 

The delayed opening of these accounts has caused significant distress, affecting my financial stability and hindering my ability to engage in various financial transactions. Despite my persistence in following the prescribed procedures, the lack of resolution has left me frustrated and concerned about the long-term impact on my creditworthiness. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the reasons behind the delays in opening my accounts and a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to correct this situation, I will be compelled to escalate this matter to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX  Balance Owed : {$670.00}.
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. (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 Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or 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.