davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
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. (TX)

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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Consumer complaint received 2023-08-31
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. (MA)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-- Company or Organization : COLLECTION Date fraud began : XX/XX/ Date that I discovered it:XXXX Total fraudulent amount {$300.00}.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX reporting inaccurate Balnace XXXXXXXX XXXX placing recent high credit XXXX XXXX usage remarks on my report. Please see attached XXXXXXXX XXXX statement document below. XXXX did not investigate nor contact XXXXXXXX XXXX  for the correct balance for XX/XX/2023. Instead untilize the XXXX system resulting in reporting the same exact balance for XX/XX/2023 balance. Therefore, requesting XXXX CONTACT XXXXXXXX XXXX  to investigate and mail a response of all payments and balance of Stament date of XX/XX/2023. This month is almost over and XXXX refused to contact XXXXXXXX XXXX to report accurate balance information
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I had an account with XXXX and it had gone to collection. I wanted to negotiate a settlement to get it paid and removed. After speaking with someone from XXXX, who identified themselves as representing XXXX, agreed on {$340.00}. On XX/XX/24, I paid the {$340.00} and received an e-mail stating that my account with XXXX is now taken care of and my credit report would be updated. However, my credit report just shows the payment of {$340.00} but still shows open with a remaining balance. I disputed it through XXXX and provided them a copy of the e-mail and they said they confirmed with XXXX that I still owe the balance and my credit will not be updated. 

I admit I have credit challenges. My husband was XXXX XXXX XXXX XXXX XXXX and I had a XXXX XXXX which has made it diffdcult for me to manage the debts but I am trying and there is always someone waiting to XXXX you. It would be nice if someone worked for the consumer. I hope you will
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I am very concerned with these discrepancies on my credit report. As a consumer I am very concerned and need everything corrected. The information is not 100 % accurate and these errors are making it impossible for me to buy a new house, which is already hard enough. This is putting a tremendous strain on myself, effecting not only my mental, but physical health. I need these discrepancies corrected and removed right away
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of Identity theft. I found numerous accounts of my report that were not open by me. This has been hurting me as I am in the process of purchasing a home for my family. Please remove from my credit report as soon as possible.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To whom it may concern, Please remove late charges You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I have a truck loan through credit acceptance. I got my loan XXXX of XXXX  I pay {$850.00} a month. I have currently paid over {$11000.00} in the past 14 months. My initial loan was {$33000.00} with putting {$5000.00} cash and my trade in for {$1000.00}. My total now is {$30000.00} after paying the monthly payment for over 14 months. When I look at my transaction history I have variable interest charges. For example one month was {$900.00} another month was {$120.00}. My contract says 22 % on the truck loan. Another example is I made a monthly payment of {$850.00} at the time my total was {$30000.00} after I made the payment my new total was {$30000.00}. I have asked for a copy of my contract and have not been contacted yet. I have documents showing these variable charges. Also, I believe the company that sold me the truck had incentives from this company. They were aware of my credit score and had a certain amount of trucks for me to pick from they let me test drive the truck I bought but then told me it was a mistake after I told them I wanted it. They wanted more money than was initially discussed. I feel like I was dooped into buying a truck they knew I would never be able to pay off as long as they got their incentive.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Notice that a credit card from XXXX XXXX XXXX XXXXXXXX on my report that i did not authorize to use and not acquired. I have contacted the creditor which they did their investigation and the result that this XXXX credit card ending in XXXX is a result of fraud. I have attached the document to this complaint along with my ID.
Consumer complaint received 2024-01-02
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)

FRCA Vilolations Not mine Hippa Vi ; oation Not my account XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Payment history not my accounts XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2600.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX Original creditor not my auto account XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX never lived here XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX INSTALLMENT Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX  XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

On XX/XX/2024, I formally notified this agency via certified mail of my status as a victim of identity theft. Despite this notification, as of today, XX/XX/2024, the agency persists in reporting information stemming from the identity theft incident. 

As per Section 605B, Block of Information Resulting From Identity Theft, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, that such information may be linked to identity theft and that an identity theft report has been filed. In compliance with this requirement, I provided FTC report numbers XXXX, along with a requested block. 

Under Section 623 ( a ) ( 6 ), furnishers are obligated to block the reporting of any information in a consumer 's file identified as resulting from identity theft within four business days upon receipt of : appropriate proof of the consumer 's identity ; a copy of an identity theft report ; identification of the disputed information by the consumer ; and a statement from the consumer affirming that the information is unrelated to any transaction they initiated. 

All four requisites have been fulfilled by me and will be enclosed with this complaint. However, the agency has failed to comply with the FCRA 15 U.S. Code 1681c2, which mandates the blocking of reported information within the stipulated four business days upon receipt by the agency. This failure constitutes a violation of the law and renders the agency civilly liable for willful noncompliance under 15 U.S. Code 1681n, subject to any actual damages I have sustained as a result of this negligence.
Consumer complaint received 2023-06-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Hello my complaint is with the actual credit reporting agency. 
My credit score doesn't not reflect my credit worthiness. I went from an XXXX to and XXXX within two months for not reason. 
First my score dropped XXXX points because I used less than 1 % of my available credit so it made my score XXXX then it dropped XXXX points because I paid off a car loan bringing it to XXXX. I don't understand why this is happening to me, it has happened over and over again and I have complained to the credit bureau letting them know their algorithm is wrong and they tell me that I have to contact the creditor and in these cases there isn't a creditor it's the credit reporting agency. 

There isn't anyone I can complain to nor is there anyone that will take responsibility for the software they are using that determines what a person credit worthiness is based on what ever criteria they base it on. There is not way my credit score should XXXX for the transaction I performed on my credit. I don't have any delinquencies on my report, never paid laid ; have paid of several debits and am continuing to show I am responsible with credit. 

I don't know who to complain to so this can be corrected ; Their software incorrectly, dramatically lowered my score for no reason. 

I need help, please help me this is affecting any sort of financial decisions I want to make.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Good day, I have repeatedly requested a contract with my signature on it giving this company the authority to report my personal, and financial information. This company has failed to do so on many occasions. I have filed complaints with the XXXX XXXX XXXX along with the CFPB and still have not gotten any authorization disclosure with my signature allowing this entity to report my information. 

The company responds with correspondence in attempts to have me provide my social security number, address, and other personal information. However, my dispute with the company is who gave them authorization to have my social security number in the first place. 

I need you to have a consumer affairs agent respond with that disclosure or comply to my settlement demand for damages suffered by the fraudulent business practices preformed by this company. 


Sincerely : XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX incorrect personal information on credit reports XXXXXXXX XXXX  inaccurate information XXXXXXXX XXXX unauthorized hard inquiries XXXX XXXX XXXX XXXX reporting negative XXXX inaccurate and unverifiable information. 
XXXX. XXXX XXXX  inaccurate, unverifiable information and several inquiries XXXX inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-02
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumeXXXX  reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative  accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness  By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-02
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. (NY)

I recently checked my credit reports and I found out some billing errors that violated the Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.
Consumer complaint received 2024-01-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (IL)

I went to have a procedure performed on XX/XX/23 at the XXXX XXXX XXXX XXXX in XXXX IL, XXXX. I previously had x-rays, and a deep cleaning performed at a diffrent location a couple weeks prior to this appointment. I gave them my scan for my teeth that were missing and a copy of procedures that needed to be done for my teeth so that i want get charged extra and provided documentation.They then looked at my teeth, told me I needed upper partials and lower partials. I agreed to pay {$2500.00} for upper and bottom partials no x-ray needed no cleaning performed. I wanted metal partials and it was documented, but when I went to pick them up they were plastic. I informed them these weren't what I ordered that I didn't want them, and I was told my insurance wouldn't cover the replacement for the ones I ordered because they were already made. I was told I had no choice but to keep them. I then contacted Care Credit and disputed the charges because I never signed for plastic dentures they were suppose to be metal, I never got a cleaning did just a scan of my mouth, that I was charge extra for procedures I didn't recieve, and I sent over proof to Care Credit to prove my reason for dispuuting. I never recieved a response back from them. I later found out after disputing the charges from this dental office that they sent an email imforming me that they are closing down immediately.
Consumer complaint received 2024-01-02
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. (OH)

15 U.S. Code 1681- Congressional findings and statement of purpose 1 ) 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) 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. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and