davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MO)

To whom may concern, I am writing to formally request the immediate removal of closed accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified a closed accounts that are no longer accurate representations of my finacial standing. These accounts have been fully paid off and are no longer active. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information contained in consumers ' credit reports. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that information that is inaccurate or can no longer be verified must be promptly corrected or deleted from the consumer 's file. 

Therefore, I request that you remove the following closed accounts from my credit report immediately : XXXX. XXXX XXXX XXXX XXXX Reason for Closure : Terms met account is paid. 


Enclosed with this letter are copies of relevant documents, including proof of payment for these closed accounts. I trust that this documentation will assist you in promptly processing my request. 

I am fully aware of my rights under the FCRA and expect the credit bureau to comply with its obligations to ensure the accuracy and fairness of my credit report. Failure to remove these inaccurate accounts may result in a violation of the FCRA. 

I kindly request that you provide written confirmation once these accounts have been deleted from my credit report. Additionally, I would appreciate any updates or information regarding the status of my request. 

Thank you for your attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. 

Thank you so much for your time.
Consumer complaint received 2024-06-28
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 have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required XXXX complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 


XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to note that these items were in dispute within 30 days now this account is in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Equifax credit bureau has continued to violate my consumer rights by reporting inaccurate information to my credit file about and account that has been removed from XXXX XXXX and XXXX but Equifax say that they verified this account which seem to inaccurate and I have proof to show my case. According to FCRA section 605B it is illegal to report any information on my credit file without my permission or consent. Also this collection agengy does not have the right to collect a debt to anyone because they are not licesned in the state that im in which is another violations.
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. (NC)

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-01-12
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)

XXXX XXXX This is also completely inaccurate. 

XXXX XXXX XXXX XXXX Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX XXXX This is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-25
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC (CT)

The company called five times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting payment. During each call, I asked for a written document to be mailed to me with details on the service provider, amount, date of service, and the nature of the charges. They assured me that they would provide the requested information. Today 's call was rude and the rep said " the validation period had expired and they would be unable to get me what I was asking for ''. She said I was responsible and needed to pay.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Dear Experian, I am writing to dispute the accuracy of the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX accounts that have been reported on my credit report. After reviewing my credit report, I have noticed that these accounts contain inaccuracies and errors that need to be investigated. 
I am requesting an extensive investigation into these accounts and information on how these debts have been verified as accurate. Specifically, I would like to know which tools were used to validate these alleged debts and what evidence was used to certify them. I believe that this information is necessary to ensure that all relevant information was taken into account and that these accounts are accurately reflected on my credit report.

I also believe that the reporting of these accounts may be in violation of various sections of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. Therefore, I request that you investigate these matters thoroughly and take appropriate steps to correct any inaccuracies in the reporting of these accounts.

Please keep me informed of the progress of your investigation and any actions taken as a result. If any of these accounts can not be verified as accurate, I request that they be removed from my credit report.

Thank you for your attention to this matter. I look forward to hearing back from you soon. 
Sincerely, XXXX
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. (GA)

Violation of Consumer Rights under 15 U.S. Code 1681c-2 Request for Immediate Resolution I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter. 
Details of the affected account : ACCOUNT NAME : XXXX INPUT ACCOUNT # XXXX BALANCE {$720.00} I have previously submitted a detailed report of identity theft, along with supporting documentation. Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file. 
Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft. 
I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law. 
I kindly request that XXXX, Equifax and XXXX conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report. 
I trust that you will prioritize this matter and work diligently to rectify the violation of my consumer rights. 
Thank you for your prompt attention to this serious issue. 
Sincerely, 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (MA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXXXXXX 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 — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

Account was transferred from XXXX XXXX to Shellpoint on XX/XX/24. SInce then we have not been able to get any clarity to why the account is showing XXXX payments behind. The XXXX trustee has been receiving and stating they send the payment on time. Each time we reach out to Shellpoint they state we need to speak with the XXXX departement. The XXXX department is not answering calls and each time we are transferred to the department it comes back with an error and we are unable to speak with anyone. We are trying to get a XXXX authorization form and nobody at Shellpoint seems to know how to get one. They keep stating speak with the XXXX department but the XXXX department does not make themselves available to speak with. Even the email we where given XXXX was an incorrect email.
Consumer complaint received 2023-10-19
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)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I reviewed my credit report on XX/XX/XXXX. I noticed that some things were not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to provide maximum accuracy of the information concerning about who the report relates. This account is not accurate. I notified in writing and online Equifax that XXXX listed on my credit report as late in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account is closed and paid in full. It is however reporting payment schedules as inaccurate. All payments were made on time and not late.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

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 2024-04-25
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. (MS)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (CA)

I sent e-mail to them requesting that I can pay the amount in XXXX installment payments but not the outrageous fees of {$4000.00} dollars for an amount of {$1000.00} I use the money to cover a medical bill. They need to stop charging my bank and work with me to pay off the loan but the outrageous fees.
Consumer complaint received 2024-04-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Halsted Financial Services, LLC. (TN)

I didnt even apply for this line of credit I wasnt even aware untill this number out of XXXX to started calling me all hours of day an night sometimes they literally call me XXXX times in one day I blocked several numbers of their and they still manage to call I turned this into XXXX  and another lawyer told me to continue to block them bc this has been going on for months and they spam email me and its never ending they did get me to answer and they were so eager to say XXXX u know why were calling dont u so pay ur debt and I hung up that is creepy and harassment and should be illegal to do to someone I have even consider changing phone numbers idk what else to do
Consumer complaint received 2024-01-19
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. (IL)

XXXX XXXX, XXXX amount {$570.00}. I sent disputed letters to the credit bureaus for validation of debt. No response. 
XXXX, XXXX amount {$570.00}. I sent in dispute letters for the account and no actions were taken on my behalf.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SOFI TECHNOLOGIES, INC. (VA)

I am enlisted in the XXXX XXXX and have been XXXX XXXX since XXXX. My home of record is XXXX, a Key Provision state under the Servicemembers Civil Relief Act. Per Title 13, section 1343.031 of the Ohio Revised Code, I am entitled to a 6 % cap on interest rates on credit accounts, including those acquired after enlistment. SoFi Bank refuses to comply with requests to reduce interest rates on an account I currently have with them stating that the Ohio law is merely a suggestion and they are not obligated to follow such law. I have provided copies of my LES, current military orders, initial enlistment contract, and other documents that establish my XXXX XXXX status ; far more than is required to establish my XXXX XXXX status. SoFi Bank also refuse to refund interest paid over the 6 % limit on an existing account as well as an account recently paid off and closed. Both accounts are/were opened after my enlistment in the XXXX XXXX XXXX My efforts with SoFi bank became very heated at one point, to the point I gave up trying and began looking for other outlets to rectify my situation. One response I received from them even stated that they sent my request to their legal team who stated SCRA benefits do not apply to my accounts.
Consumer complaint received 2024-05-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

XXXX XXXX XXXX breached my account several times I got my phone in XXXX they said I got it in XXXX and this is defamation of character Some one else opened up an XXXX XXXX XXXX account in my name and this was identity theft