davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Dear Sir/Madam, I am writing to dispute certain information in my credit file identified during a recent review of my credit report. The details I am disputing are not accurate and reflect inconsistencies that could impact my creditworthiness negatively. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( e ) ( b ), I request an investigation into these inaccuracies to ensure my credit report reflects only accurate and verifiable information. 

The specific inaccuracies I am disputing are as follows : Original Lender Name Inconsistency : My credit report lists the original lender as XXXX with Equifax and XXXX but XXXX XXXX XXXX XXXX This discrepancy may lead to confusion or the appearance of multiple debts instead of one. I request that this information be corrected to uniformly reflect the accurate original lender name across all three credit reports. 

XXXX XXXX XXXX : The collection agency handling my account is listed differently across the three credit bureausthis inconsistency could imply incorrect reporting of the collection account. The correct name of the collection agency should be uniformly reported by all three bureaus. Please investigate and update this information to accurately reflect the collection agency handling this account. 

Status Descriptions Variability : The status of my debt varies significantly across the reports, from Unpaid to Collection account to an extensive description on XXXX. This variation could mislead credit grantors about the true nature of the debt. I request a review and uniform update of the status description to ensure it accurately represents the status of my account. 

Enclosed are copies of documents supporting my position and highlighting the discrepancies for your review. Please note, I am not requesting the information be deleted if it is accurate, but rather that an investigation be conducted to verify its accuracy. 

I understand under the Fair Credit Reporting Act, you have 30 days to complete an investigation of the items I have disputed and to provide me with the results in writing. If the information is found to be inaccurate, the law requires you to correct it or delete it from my file. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-08-11
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. (MN)

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 Account Number : XXXX XXXX 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 2023-04-14
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. (IL)

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 2022-04-22
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-04-03
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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-20
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. (NJ)

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 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

YOU ARE LIABLE FOR VIOLATING MY RIGHTS! 

I am addressing the fact that you were furnishing inaccurate information on my consumer report. You have now deleted the accounts # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX from my consumer report. This proves that you were reporting information on my consumer report that should not have been there. This proves that you did not exercise your grave responsibility with fairness and impartiality. You are liable for willful noncompliance. Please pay the invoice pursuant to 15 USC 1681n. 
Your company inaccurately and falsely reported information on my consumer report that resulted in defamation of my character. I have been denied my right to extend credit and have been discriminated against as a result of your deceptive practices. You made creditors believe that I was in debt and you could not prove that to be valid. If the debts were valid, you created a false impression that I was unable to handle my business and pay the alleged debts. Ive suffered sleepless nights and emotional discord as well as financial strain because of your company falsely reporting information. Therefore, your company is liable, pursuant to 15 USC 1681 ( o ).

According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

ACCOUNT NAME XXXX XXXX XXXX ). I have no idea why this account is on my consumer reports. This account is direct violation of the FCRA! Im not sure what kind of account it is, it has no identification stating what kind of account it is or was. There is NO account number listed on either of my consumer reports. The original balances are inconsistent on all consumer reports. The payment history differs across all of my consumer reports. There is NO open date listed on either consumer report. This account violates so many laws. I want this account removed from all of my consumer reports ( XXXX, XXXX, EQUIFAX ). I DO NOT GIVE CONSENT FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORTS.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

According to FCRA 605B, it's imperative to eliminate any erroneous entries from my credit report. Could you kindly review the documents? Some of the accounts listed exhibit inaccuracies concerning reporting, incorrect amounts, and dates.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.
Consumer complaint received 2023-04-05
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$13000.00}
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX  XXXX, XXXX XXXX and XXXXXXXX XXXX XXXX.
Consumer complaint received 2018-06-29
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. (GA)

I submitted a dispute to Equifax in regards to the XXXX XXXX account asking for them to validate the correct information in which they have failed to do so numerous of times. They are reporting numerous of late payments on my account in which is incorrect
Consumer complaint received 2015-12-30
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I am selling my property and my title company requested a payoff balance which was received. However, the payoff balance did not include all of the information that was requested. Due to a home modification in 2014, the title company needed to see the loan balance and the amount modified to ensure payoff included both. I have called Nationstar on several occassions to request such documentation and no one has been able to help. I close in XXXX hours and have yet to be able to get the information the title company needs.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (NY)

As a consumer I have rights under the Fair Credit Reporting Act. XXXX XXXX  has yet to prove to me that they have a legal right to report my personal financial information. 
15 USC CODE 6802 under the Fair Credit Reporting Act states, a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given in writing, or by electronic form or any other form by XXXX XXXX  to grant permission to disclose non-public information to third parties such as the major credit bureaus and other reporting agencies. I was also never given the opportunity by XXXX XXXX  to direct that such information not be disclosed. Furthermore, I was never given an explanation of how I can exercise that nondisclosure option when I first became a customer in XXXX of XXXX I request that the information reported to all major credit bureaus be removed immediately.
Consumer complaint received 2023-07-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (CA)

I made an arrangement with XXXX and will upload the agreement. XXXX stopped all of a sudden and was sent to Credit Control who said they heard nothing regarding the agreement with XXXX. When I called the primary holder of the debt the man I spoke to acknowledged the payments made but not agreement that I have in writing and told me I am facing default and legal action. This is all a bunch of misinformation and falsehoods. 

I have the proof right here. 

{$3900.00} was reduced to {$1900.00} this was all done as soon as this was about to fall of my credit so I was tricked into this agreement with threats, to allow for the loophole to make the clock start again even thought it had been over 7 years and was no longer on my credit report. But I work a program of fiscal amends and I went along with it, not knowing this was all shady.
Consumer complaint received 2024-04-01
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. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (MN)

Late payments are reported on my account Ive always paid on time the dates are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-04-03
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. (AL)

I hAVE DISPUTED THE SAME ACCOUNTS FOR 5 MONTHS. aLL THEY HAVE DONE IS UPDATD DATES AN BALANCES. aLL INCORRECT INO IS STILL THERE
Consumer complaint received 2018-06-29
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)

XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and XXXX XXXX has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with XXXX XXXX.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

These inquries are fraudulent and I need them deleted from my report. These are not mine. 
XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX
Consumer complaint received 2024-04-02
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. (FL)

There are several inquiries that I require proof of a permissible purpose. 
PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT.