davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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. (MO)

I am writing to express my extreme dissatisfaction and frustration regarding the many unsuccessful attempts to correct the late opening of my account and the removal of the late closure status with Credit Bureaus. Despite multiple communications and persistent efforts on my part, these issues remain unresolved, causing significant inconvenience and frustration. 

The prolonged delay in correcting these issues has not only hindered my ability to access the account 's services but has also created unnecessary stress and uncertainty. 

I urgently request the following actions : Immediate and expedited investigation into the root cause of the late account openings and late closure status.

Transparent communication regarding the steps being taken to correct these issues.

Swift resolution of the account opening problem, with confirmation of the successful resolution.

Removal of the late closure status from my account. 

Assurance that my account will be fully functional and restored to its proper status once these issues are resolved. 

Compensation for the inconvenience and any potential financial impact caused by the delayed account openings and late closure status. 

I insist on a resolution within the specified timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to correct these late open accounts and remove the late close in my credit file : XXXX  / XXXX  XXXX Balance Owed : {$59.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance Owed : {$0.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (NC)

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give Equifax written permission to furnish these accounts * XXXXl XXXX * XXXX XXXX  * XXXXXXXX XXXX * XXXX XXXX XXXX XXXX Collections Account
Consumer complaint received 2024-01-17
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-01-17
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. (KY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my undergraduate program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have.
Consumer complaint received 2024-04-06
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-08-07
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: Diversified Consultants, Inc. (OH)

Old XXXX  account placed with internal collections. I spoken with print and agency and was advised after paying the disputed amount it would be removed from report. Diversifield Consulantant has repeated reporting of this debit as collection when its not and also over the statutory limits. This company doesn't own the account
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC. (CA)

I find it very unfortunate and dishonest of Equifax to not play by the Laws. I have been regularly checking my credit reports and scores this year due to pressing needs of me and my family. I have been reaching out to Equifax as of recently regarding items I believe to be inaccurate and thus unlawful to post about me. This has caused me both XXXX  XXXX and XXXX XXXX  which I have been getting treatment for and along with this I recently suffered with an event that has caused XXXX XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory items being reported about me damaging my character, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Equifax being one of the predominant Credit Reporting Agencies in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Equifax operates then I would imagine that other Americans experience the same unfortunate event when they reach out to them as well. I have researched and talked with others about this and I can not seem to find anything supporting this occurrence. I have reached out to Equifax about this multiple times calling their call center where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me. So please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law. 

I demand Equifax to reinvestigate every item on this letter for completeness and accuracy and remove these accounts from my consumer report ASAP as they do not meet the standards or I will be forced to file litigation against them for furnishing false and inaccurate accounts on my credit report.
Consumer complaint received 2024-01-17
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Mortgage — Other type of mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Guild Holdings Company (CA)

Guild Mortgage called me from XXXX today and had my personal information to ask me about a mortgage on a property. I do not now nor have I ever had a mortgage. I asked the representative his name and he gave me a fraudulent name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He also threatened to kill me. We exchanged insults until he hung up. This company has my PERSONAL information and let 's thier employees threaten people who aren't even thier customers. They should be shut down. Who knows what other fraudulent activities they have going on with people 's personal information and threatening to kill me is not a light matter. I tried calling back but it goes to an answering system for the co.pany
Consumer complaint received 2024-01-17
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)

Account XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-17
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 recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
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: EQUIFAX, INC. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (IN)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a consumer credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (CA)

I have called on XX/XX/XXXX and spoke to XXXX XXXX. She informed me to email XXXX XXXX to remove debt from my credit report. She had verified my information and realized it did match. I emailed XX/XX/16 and he responded without wanting to remove this debt from my credit report. I sent a XXXX email and he does not want to remove the debt.
Consumer complaint received 2021-05-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

OnXX/XX/2021 I mailed out a dispute letter to Equifax. The letter was delivered on the XXXX of XXXX. I have yet to hear anything back from the company with regards to this investigation. Today is XX/XX/2021 and it has been 33 since they received my dispute. I feel that they were given enough time to complete their investigation, and if needed more time, they could have reached out to inform me of that. I feel completely ignored
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AZ)

My profile was XXXX of the profiles that was affected by 2020 Equifax Breach. I have been disputing things on my profile that Equifax refuses to remove. I was sent an email that they want me to send copies of my ID or a bill to prove my Identity. My credit has taken a hit, I have been denied credit because of my credit report. My business has suffered due to inaccurate reporting on my credit profile DUE TO THE BREACH INFORMATION.
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

My current address XXXX XXXX XXXX XXXX, Georgia XXXX. This has been my address for the last 7 years from XXXX through XXXX. 
My second current address from XXXX through XXXX XXXX XXXX XXXX XXXX. 

My rental properties which I have never lived in XXXX XXXX XXXX XXXX XXXX, Al XXXX this property had three renters and was sold XX/XX/XXXX. 

My second rental which I current rent XXXX XXXX XXXX XXXX XXXX, Al XXXX. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, Georgia XXXX, and I have never lived at XXXX XXXX XXXX XXXX XXXX, Al XXXX My employer XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (MT)

I tried opening a bank account and was denied. The bank informed me there were 2 bad debt or charge off. The bank would not give me any information except that I had to contact Chex Systems Inc which I have done previously because this has happened before. They never sent me the information, wouldnt email it, and I have no idea what these debts are or who they are from.
Consumer complaint received 2024-04-07
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. (FL)

I am writing to request information about my credit report in accordance with Section 609 of the Fair Credit Reporting Act ( FCRA ). Please provide the following details related to my credit report : * A complete and accurate disclosure of all information in my credit file. * The sources of the information in my credit report. * The names and addresses of any third parties who have received a copy of my credit report within the past six months ( or two years for employment purposes ). I am exercising my rights under Section 609 of the FCRA, and I understand that you are obligated to furnish this information within 30 days of receiving my request. Enclosed is a copy of my identification for verification purposes. I kindly request that you provide me with copies of the documents currently in your possession, as of today 's date, that were used to verify the accuracy of the accounts listed below. As per the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to request the disclosure of all documents recorded and retained in your files concerning these accounts at the time of this request. I urge you not to simply confirm the verification of these accounts but, in accordance with my rights under the mentioned act, to furnish me with the actual documents used for verification. If, upon review, you find a lack of documentation in your files to validate the accuracy of these disputed accounts, I insist that you promptly delete them as mandated by Section 611 ( a ) ( 5 ) ( A ) ( i ). The inclusion of these inaccurate and unverified items on my credit report, distributed to third parties, has the potential to damage my reputation and creditworthiness. According to FCRA 15 U.S.C. 1681i, all unverified accounts must be expeditiously removed. Therefore, if you are unable to provide verifiable proof for each of the accounts listed below within 30 days of receiving this letter, I request the immediate removal of the account from my credit report. 

XXXX XXXX XXXX Account : XXXX I appreciate your prompt attention to this matter and your cooperation in providing the necessary documentation within the stipulated timeframe. Your assistance is crucial in resolving these discrepancies and ensuring the accuracy of my credit report.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (NC)

Per the FCRA as a federally protected consumer. Im now opting out of any authorization that I may have given you in writing or non written verbal and nonverbal per 16 CFR 313.7 in conjunction with 15 USC 6802.And the Privacy Act of 1974. To report any of my private information to any third party non affiliated. Including all credit reporting agencies and credit furnishers.
Consumer complaint received 2024-01-26
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: Tebo Financial Services, Inc. (PA)

The company is reporting fraudulent and inaccurate information on my credit report. Ive requested that they send the purchase agreement to show full ownership of such account and other documents so that I may review them to determine if this is actually an account that belongs to me. Inside of the purchase agreement it states that the account information theyve purchased isnt 100 % accurate! This account # XXXX  does not belong to me and It needs to be DELETED off my credit report immediately 15 usc 1681.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.