davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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. (SC)

XXXX, XXXX and Equifax all refuse to remove old paid account off my credit report. I have disputed this with each company at least 5 times. This account is from the Department of Education that was opened in XXXX. This account was never paid and after more than XXXX  years the debt was sold to XXXX. I have written letters to each bureau requesting this old debt to be removed but each bureau refuses to do so. This is a direct violation of the Fair Credit Reporting Act. This account reflects a negative mark on my report and no matter what course of action, these three bureaus refuse to remove this account. Once again this account was opened XXXX of XXXX. This account was never paid until forgiven by Biden in XXXX of XXXX. This account is XXXX XXXX XXXX and according to the LAW this must be removed after XXXX or XXXX  years at which this account has exceeded both. XXXX, XXXX and Equifax are all in violation of the Fair Credit Reporting Act. XXXX is reporting this account has been paid as of XXXX but this account has never been paid. Therefore this is also inaccurate reporting by both the Department of Education and XXXX, XXXX and Equifax
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
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: Experian Information Solutions Inc. (NC)

On XX/XX/2024 i sent certified mail to XXXX and Experian ( XX/XX/2024 ) to verify the XXXX debt the accuse me of allegedly owing. Experian never got back to me with info showing who they contacted to verify the debt w/ name and number according to the law. They told me to follow up with XXXX because they could never verify the information. Meaning they never reached out to anyone WHICH IS THEIR JOB. And if XXXX can not be reach and if they are not responding Experian SHOULD DELETE THE ACCOUNTS BC THEY CAN NOT BE VERIFIED. My next step it to file suit against them because this is beyond unlawful.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (TX)

I disputed the I.C Systems as they continued to report and have for years. I am educating myself on consumer laws and have discovered many violations. I wrote I.C systems asking for a Debt Validation Letter they responded they could not provide me any information they could verify and they would not be reporting any further on my reports. I.C. systems is still being reporting on my report and being updated regularly. I have the letter I can provide for proof. 
Thank You for your time, XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to delete the following information from my file. The items i deleted are listed in the report I am a big team of identity theft and i did no make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal try, commsision identity, theft, affidavit. 
Please delete this items as soon as possible.
Consumer complaint received 2018-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Medical Management, Inc. (FL)

i noticed this account on my credit report and immediately sent a debt validation letter on three separate occasions and this company has yet to respond to my request. i am so overwhelmed because they are destroying my life. i don't know why they are ignoring me, i am trying my best to resolve this issue. I do believe that this may possibly be an account that some how ended up on my credit by accident. i believe i have some rights to confirm that info. which is why i have been doing my part and giving them an opportunity to show proof. but i again am still being ignored, this is unfair to me and my family. i have very important things to take care of this year and i am very responsible but they are reporting irresponsible info that is damaging to me.
Consumer complaint received 2023-04-14
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I have a balance with XXXX college of {$1500.00}. The representative stated I could only make 4 payments to avoid this being on my credit report. I did set up payments to avoid this however someone hacked my checking account and the first payment was returned. I can not afford the payment of {$400.00} every 2 weeks at this time. Until my account is credited and everything is caught up I can afford {$100.00} a month for the time being. I do not want this to hit my credit.
Consumer complaint received 2024-04-25
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-04-25
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.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-05-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

Well Fargo charge me recently fees XX/XX/24 regarding overdraft transaction, they usually give me extra day to cover it witch I did but its always end up with fees anyways. They clear few expense before I deposit the money and few after I deposit the money for charge me fees. See files attached amount needed to cover = {$130.00} so I deposited {$280.00} ( + {$140.00} ) left but they somehow still charged me fees for XXXX of those transactions and they do that often recently.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Had an auto loan with XXXX XXXX dealer services from XX/XX/XXXX to XX/XX/XXXX. Car loan was paid in full with not one late payment ever. Today XX/XX/XXXX, I get an alert from Equifax and XXXX that XXXX XXXX reported a late payment today on this account, which has been closed for 2.5 years now, and on my Equifax report is showing the status of the loan open as of XX/XX/XXXX. I called XXXX XXXX who claim they never reported any late payments and show the account as paid in full closed as of XX/XX/XXXX. This is highly unethical and unacceptable behavior from XXXX XXXX and who ever is in charge of their accounting department. To be this careless and wreckless with customer information as to be reporting negatively on paid in full CLOSED accounts. This problem needs to be fixed immediately.
Consumer complaint received 2024-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CO)

My last complaint with this resource was in XXXX was with the same utility company different collection company, different amount. Please refer to documents included in my last complaint. I contacted the collection company and tried to explain and they treated me with the same disdain and contempt as the last company you were able to assist me with. The current collection company is IC systems in MN. I have not lived in XXXX since XXXX. I have not owned real estate in XXXX since XXXX. The rental property for the electric bill in question conveyed in XXXX  public records in XXXX to a bank through foreclosure. I have lived in XXXX for XXXX  years and before that i lived in XXXX for XXXX years. I have disputed this account with the credit report company as well. I am currently selling my house and applying for a mortgage and this has impacted my score by XXXX points. XXXX down to XXXX. The implications here have real dollar impact on qualifying rates in an already difficult rate environment. Thank you for your timely attention and assistance with this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX by XXXX opened XXXX date of last XXXX XXXX XXXX XXXX refuse to pull this tradeline Date of Last payment confirmed with XXXX XXXX.
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-08-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Original Creditor- XXXX XXXX Amount of Dispute- XXXX XXXXXXXX Medical- Hospital bill after my XXXX XXXX XXXX- XXXX I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a XXXX  XXXX ... .Thanks
Consumer complaint received 2024-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: INDEPENDENT BANK CORP. (MA)

I got XXXX XXXX dollars back from Rockland Trust for larceny. They owed me XXXX more. Would not give me that and started to inflate my account with almost XXXX of others monies. It was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account closed end in XXXX closed XX/XX/2023. See attached documents. They previously were found guilty of a ponzi scheme. Now that investment banker there is there XXXX. I never thought I could get more than the XXXX back with a police report. I do have a police report no. ( XXXX ) XXXX. XX/XX/2023.
Consumer complaint received 2024-04-25
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)

I am writing to formally dispute the accuracy and reporting of certain accounts listed on my credit report that I believe to be in violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ). These accounts have breached my rights to privacy and confidentiality as stipulated under Title 15 U.S.C. 1681, particularly in sections 602 ( A ), 604 ( A ) ( 2 ), and 1681c ( a ) ( 5 ).

The following accounts have been reported without my explicit written instructions, thereby contravening the requirements set forth by the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX} According to 15 U.S.C. 1681 section 602 ( A ), I am guaranteed the right to privacy. Furthermore, section 604 A ( 2 ) mandates that a consumer reporting agency can not release any account information without receiving written permission from the consumer. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits the reporting of any adverse information, other than criminal convictions, that predates the report by more than seven years.

Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful to furnish any information about a consumer to a reporting agency if the provider knows or has reasonable cause to believe that the information is inaccurate. 
Given these violations, I am requesting the immediate deletion of the aforementioned account from my credit report. Please review this matter under the guidelines of the FCRA and confirm in writing that these accounts have been removed.
Consumer complaint received 2024-04-25
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. (NY)

I do not recognize XXXX inquiry on XX/XX/24 and I request for these to be removed. I have already reached out to the bureau to request for them to be removed but have not been. below is going to be attached an identity theft report
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This all falls under this 15 USC 1681B!! Please I want all these off my report! unless they have written consent for them to report they can then post on my report! until than they don't! so I would like these off my report immediately.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024, and I have not yet received a response. ''
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In XXXX of XXXX, I reached out to the XXXX XXXX XXXX regarding lowering my monthly payment. I spoke to a supervisor who informed me that my payment would change from {$1000.00} to {$900.00} and I will be notified in writing of the changes. I have yet to receive any new paperwork reflecting the change. The company also assured me that my late payments from ( XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ) would be removed as well. My credit report has not been updated from XXXX XXXX XXXX since XX/XX/XXXX. This oversight has hindered my homebuying process and I would like it updated and corrected immediately.