davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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.
Consumer complaint received 2024-01-09
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. (CT)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 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.
Consumer complaint received 2024-01-09
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 appreciate the removal of some fraudulent items from my credit reports. However, I have identified that there were remaining fraudulent items persistently reporting, adversely affecting my credit standing and records. I am once again urging XXXX, Equifax, and XXXX Credit Bureaus to remove the items listed in this complaint per bureau, as documented in my FTC report with reference # XXXX : -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX  XXXX XXXX Balance : {$7700.00} -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX XXXX XXXX  Balance : {$50.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$7700.00} XXXX XX/XX/XXXX  -- -- -- -- -- -- XXXX : XXXX XXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} 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
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC. (ID)

I believe the account is invalid. XXXX XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Please see attached documents. I have been trying to get XXXX to do a real investigation since XX/XX/2023. Please help me get results.
Consumer complaint received 2023-12-08
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. (VA)

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 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 2024-01-09
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. (LA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/2023 my XXXX account was transferred to XXXX to become my student loan servicer. My account is paid in full and closed. However, on my credit report, both the XXXX and XXXX accounts are showing open and with balances. I have contacted XXXX to have this updated. Their response was that they have reported the correct information to the credit bureaus and not to use third parties such as XXXX XXXX to get accurate reporting information. However, I have checked on all XXXX credit bureau websites and this information is listed. I have disputed this directly with all XXXX credit bureaus and their response with each dispute ( XXXX separate disputes in total with each of the XXXX bureaus ) is that the data furnisher has verified that all information is accurate. This is false. My accounts are closed and paid in full and transferred to XXXX. When I reached out to XXXX, their response was that all information reported is correct. This is causing to show on my credit report that I have twice as much student loan debt than I actually have.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (HI)

When I was reviewing my credit report on XXXX XXXX, I noticed on my EQUIFAX report that it had an additional address that I have NEVER lived at before. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX I do not have family/friends that live in or around California and have never been to California until just recently. On my XXXX account, this address does not show. I am not sure how to go about removing this address from my name as this should not be tied to me in any way.
Consumer complaint received 2024-01-09
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'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 2024-01-09
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. (CA)

Subject : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX  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 l 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.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureaus, have already removed these late payments from this account from their records due to an unidentified error. I am perplexed as to how you have verified this account while the other bureaus have updated them and the bank also approved of updating the status of the account to closed never late after I talked to them on the phone. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-09
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 express my deep concern and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite my persistent efforts to report and rectify these unauthorized transactions, the issue persists, causing severe distress and financial hardship. 

I identified unauthorized transactions on my account, indicative of fraudulent activity. Since then, I have diligently contacted your customer service department on multiple occasions, submitted written requests, and provided all necessary documentation to support the investigation and removal of the fraudulent items. Unfortunately, despite these concerted efforts, the unauthorized transactions persist, significantly impacting my account. 

Enclosed, please find a detailed timeline of my interactions with your institution, complete with reference numbers and specifics of each attempt made to address this matter. I urge you to thoroughly review this information and take immediate action to rectify the situation. 

The ongoing lack of resolution has left me in a precarious financial situation and emotional distress. As a victim of fraud, I expected a more expedited and efficient response from your institution to safeguard my account and address the unauthorized transactions promptly. 

I urgently request that your institution conducts a thorough investigation into the matter, removes the fraudulent items from my account, and implements measures to prevent any further unauthorized activity. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and consider legal action to protect my rights as a customer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
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. (NY)

HARD INQUIRIES : XXXX XXXX Dated XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Reporting Transaction history is illegal. 
16 CFR 313.7, 16 CFR 433.2, 16 CFR 433.3, 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report & I did not give this authorization, that is a violation of the Fair Credit Reporting Act. This is also a violation under The Privacy Act of 1974. 

15 U.S. Code 1681n - Civil liability for willful noncompliance In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

15 U.S. Code 1681o - Civil liability for negligent noncompliance In general, Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure. 
Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures Privacy Act of 1974.
Consumer complaint received 2024-01-31
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Ability Recovery Services, LLC (NC)

Ability Recovery Services LLC had sent a piece of mail to my home in regards to a debt from XXXX XXXX  in the amount of {$1800.00}, this was paid in full through their website towards the end of 2023. However, since then the collection has come off of my XXXX credit report, but they are refusing to remove it from my XXXX credit report. I need this removed please. I am growing a small business and taking care of my mother and this is affecting me getting the help that the business needs and my mothers needs. I filed a dispute through XXXX and they were unsuccessful at getting it removed. I appreciate anything you can do to help me with this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2023-04-27
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: LEXISNEXIS (GA)

I submitted a complaint on XX/XX/2023, complaint XXXX XXXX XXXXXXXX to XXXX regarding incorrect information that is reported on my credit report, and multiple bankruptcies. 

XXXX submitted a response on XX/XX/2023 : ... '' A DISMISSED/DISCHARGED XXXX XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 7 YEARS FROM THE DATE FILED. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. '' I've reached out to LexisNexis ( XXXX vendor ), regarding the response XXXX provided. LexisNexis sent me a letter dated XX/XX/2023, regarding the multiple bankruptcies. stating : " In an effort to resolve XXXX XXXX concerns, LexisNexis did not locate the records listed below in XXXX XXXX file with LexisNexis. Bankruptcy Record : Bankruptcy Filing No. XXXX Bankruptcy Filing No. XXXX Bankruptcy Filing No. XXXX '' I've also attached multiple documents that I received from the Bankruptcy courthouse saying they have never sent any information to XXXX. 

I would like for XXXX to answer me who they are verifying this information to.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (NY)

You will see that I previously filed a complaint against XXXX XXXX for a denial of a credit card. They said I was pre-approved and gave me a response code number. I applied and was denied. This was the second time in a row and their reasoning was due to the Experian report. I talked to their XXXX response team and they said there was nothing they could do, everything was based on the Experian 's explanation. 

I vehemently protest this based on the illogical process in the reasons they gave XXXX XXXX. I've attached the XXXX rejection letters with the list of issues against me as follows : XX/XX/year> XXXX. Number of revolving bankcard trades opened in the last 24 months. 
2. Average Revolving/Open Balance 3. # Revolving Trade Lines With Balance 4. One or more bankcard ( s ) or line ( s ) of credit with a balance greater than {$1000.00} on credit report.

Take Note : None of these reasons are valid. How many bankcard trades have been opened in the last 24 months? I've been denied. I have no open Balance with any credit card. I have NO trade lines with Balance. NONE! 

XX/XX/year> XXXX. Number of revolving bankcard trades opened in the last 24 months. 
2. Average Revolving/Open Balance 3. # Revolving Trade Lines With Balance 4. Income provided can't be verified. 

Same reasons again that are unfounded. And, income can not be verified? They never asked me to prove anything about my income. How fair is that? 

I am requesting Experian to fully explain, with proof, the details of the above items as listed. I have tried contacting them multiple times without any means of contact. 

See the attached documents that show Experian 's Credit Report showing the opposite of what they list above.
Consumer complaint received 2024-01-09
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)

I am writing to express my deep dissatisfaction and frustration regarding the persistent issues and multiple unsuccessful attempts to rectify the delayed opening of my accounts with Credit Bureaus. Despite my continuous efforts to resolve this matter, the issue remains unresolved, causing significant inconvenience and concern. 

I initiated the account opening process with your institution, and unfortunately, I have encountered repeated delays. Despite my diligent compliance with all required procedures, submission of necessary documentation, and adherence to your institution 's policies, the accounts remain unopened. The prolonged delay is causing disruption to my financial plans and has created undue stress. 

I have made several attempts to address this issue by contacting your customer service department, providing additional information as requested, and patiently awaiting a resolution. Regrettably, these efforts have not yielded the desired results, and the matter persists, impacting my confidence in your institution 's ability to provide timely and efficient service. 

Enclosed, please find a detailed record of my interactions with your institution, including reference numbers and specifics of each attempt made to resolve this issue. I kindly request you to review this information comprehensively and take immediate action to expedite the opening of my accounts. 

As a prospective customer seeking to establish a relationship with your institution, the current situation falls short of the expected standard of service. While I understand that challenges may arise, the repeated delays and lack of communication are unacceptable.

I request that you prioritize the resolution of this matter promptly and provide clear communication on the steps being taken to ensure the timely opening of my accounts. If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to explore alternative banking options and escalate this matter to relevant regulatory authorities. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX