davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated these accounts on their records. Therefore, I kindly request that you expedite the process of updating my credit report to reflect these corrections. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX XXXX has stated this account/item was updated from our processing of your dispute in XX/XX/2023 information is still inaccurate on this account. How could that be if this account was reinvestigated and presented with all accurate information. 
my address ID on XXXX XXXXs XXXX, the address ID showing for this account is XXXX that address does not match mines and i don't know who's address that is. as you can see in the screenshot, transunion is reporting this last verified XX/XX/2023, nothing here on XXXX, since the last investigation XXXX has deleted this account As of XXXX, if they weren't able to verify how is XXXX and Transunion verifying this account? date of last activity is still not matching, opened date is still not matching payment frequency is still not showing on XXXX and in the two-year payment history XXXX is still showing no payment for the month of XXXX according to the FCRA 15 USC 1681 everything must be 100 % accurate DELETE THIS ACCOUNT NOW
Consumer complaint received 2018-10-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC. (IN)

I purchased a 2017 XXXX from XXXX XXXX in XXXX, I had already been pre approved by an institution I've had a car loan with previously, the process went way into the late hours of XX/XX/XXXX into the early hours of the XXXX. There were 3 or more contracts drawn due to mistakes. There were a few things represented to me about the vehicle that just are not true, and I contacted the sales guy a day or two after about the transmission, but when I got a statement 3 days before due to a ALLY financial, the payment was 200 dollars higher, and on top of that they only allowed XXXX for my trade in which books for 5-6 thousand XXXX XXXX XXXX, I contacted them, made the 1st payment and demanded this be corrected, and that this is not the contract that I had agreed to. ( my name was not signed the way I sign it on this contract, the amounts were wrong, and my wishes to not have any hard inquiries, and use the creditor of my choice were ignored, along with the wrong address on the contract which is why one of them needed re written after I pointed it out to the finance guy ) they have harassed me and also harassed a family member by phone, telling them about my debt. I was advised that I signed the contract and I have no other choice but to pay this ridiculous amount, so I filed a dispute with XXXX, and sent them ( ALLY ) a validation demand via certified mail. They continued harassing, ignored my demand, and even repossessed the vehicle, this violates my consumer rights which I stated on their recorded phone lines at which reserving my rights, particularly ucc 1-308, and Ill pay the amount I agreed to, but I will not accept this misrepresented contract, I also contacted the dealership, and was hung up on after asking for a manager. My name is copyrighted so they have also defamed my name through false reporting to the credit bureaus. Please help me get this straight.
Consumer complaint received 2024-03-28
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. (AR)

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS - XXXX ( XXXX ) I was never been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-01-02
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. (DE)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXXXXXX, Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX has 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
Consumer complaint received 2024-03-28
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. (NC)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated.
Consumer complaint received 2023-07-11
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Credit bureaus stated my accounts were properly investigated. This is not possible because if the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate, the amount owed are inaccurate, the payment statuses are inaccurate, and the comments are inaccurate. This is grounds for removal. My rights were also violated under : 15 U.S.C. 1681 Section 602 A States that I have the right to privacy. 15 U.S.C. 1681 Section 602 A States that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (LA)

I filed Chapter  XXXX   XXXX . XXXX , 2010. At the time I filed Chapter  XXXX  I was due for  XXXX  2010-   XXXX   2010@ XXXX . I paid   XXXX   to the   XXXX   different mortgage company. Chase proof of claim was incorrect. The fees that chase stated that I owe was included in a   XXXX   2010 loan modification. After the 2010 loan modification chase did n't do any of the things on the schedule A. All those things was done prior to the 2010 loan modification. I only owe   XXXX  . I enclose the Schedule A that was include for chase proof of claim.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to dispute account on my credit report that are a result of identity theft. This account is not mine, and I have already contacted the company involved to report the fraud. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 
XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX : # XXXX, XXXX via XXXX : # XXXX, XXXX  via XXXX & XXXX XXXX XXXX XXXX,, has 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 2024-03-28
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: EQUIFAX, INC. (TX)

Dear Equifax, This letter is to formally request information regarding the methods used to validate accounts on my credit report. I am particularly interested in understanding the process employed to verify the accuracy of the following information : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


The Fair Credit Reporting Act ( FCRA ) grants me the right to ensure the accuracy of the information contained within my credit report. Understanding the methods used to validate accounts will allow me to better assess the information 's completeness and legitimacy per [ FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ] Specifically, I would like Equifax to provide details on the following : The types of information used to verify account ownership ( e.g., Social Security number, date of birth, address history ).

The communication methods employed to contact creditors for verification ( e.g., written communication, phone calls ).

The procedures in place to ensure the legitimacy of the information received from creditors.

Please furnish this information within 15 days of receiving this request per [ FCRA 611 ( a ) ( 7 ) ]. I appreciate your cooperation in this matter. 
Thank you for your time and attention to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (VA)

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

The credit bureaus... XXXX, Equifax, XXXX have other credit profiles that are reporting in my name. Under 15 USC 1681..I have the right to privacy, and 15 USC 1681 602 ( 4 ) 604 ( A ) 623 .... duties of a data furnisher. They must follow federal law to the letter. Which they don't... They use 3rd party data providers to do their investigations. Which is Fraudulent, and Misleading. THEY need to correct ALL credit profiles... remove all old accounts. Profiles like my fico... vantage score, and any other profiles that they create I my name... .profiles for banks Mortgages, Auto loans ETC. ALL profiles should be corrected for accuracy. I also would like to opt out of ALL DATA PROVIDER ... that supply my information to the bureaus. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. and all that wasn't mentioned! According to 15 USC 1681..I HAVE A RIGHT TO PRIVACY. ANY further acts need my personal consent. By writing, or verbal consent.
Consumer complaint received 2024-03-28
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)

Theres some unauthorized hard inquiries on my credit report that I dont recognize.The credit bureau violated my right and shared my credit information with those businesses. I contact the credit bureau to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

In 2021 my credit report was garnished by a situation that was communicated in transparency with my bank. As I was a victim of identity theft, I began working with a company that I contracted with on Indeed.com and began to work and RECIEVE paychecks, which I deposited likewise, into my account at that time. Apparently the checks that I had received in good faith, as a worker, and consumer in commerce, had been rejected, all around the same time. Even though they all were not deposited or processed at the same time. This inturn took every single XXXX out of my account. And then took more than that. My account was then put in the negatives as now a balanace of over {$8400.00} from this scheme that I became a victim of. I was very transparent about my situation, my transactions, and my account. As a result of this identity theft which should have been covered by my bank XXXX XXXX XXXX at the time because they are insured by the XXXX, they have federal insurance on and I quote, For Deposit accounts held with XXXX XXXX XXXX are federally insured by the XXXX XXXX XXXX XXXX XXXX XXXX ( NCUSIF ), an arm of the XXXX XXXX XXXX XXXX ( XXXX ), an independent agency of the United States government. Which is also, federally insured to at least {$250000.00} and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. 

I have been having consistent adverse action due to this incident, my credit report has been garnished, consistent suffering in the fact that all creditors are refusing to work with me due to a situation WHEREAS I WAS TAKEN ADVANTAGE OF. 
According to ChexSystems, the amount has also been charged-off by the original company and they continue to report negative unpaid information for funds taken out of my account. XXXX XXXX XXXX closed my account after being in good standing in my account for years. I had even had a Refinance Loan that I had through them that I also never defaulted on or anything all 2-3 years. Just maybe a late payment or two. I am outraged, I was being taken advantage of and continue to be taken advantage of by this company that TREATED ME EXTREMELY UNFAIRLY. They didnt even care that it wasnt my fault and that I was just a victim as they were. If not more so, because they took everything I had. And then XXXX more to total to that XXXX, which is charged-off according to ChexSystems and being disputed for the exact reasons above. I should be protected as a consumer, and a debtor.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is my understanding that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you kindly verify the documentation? There appear to be inaccuracies within the listed accounts as per the reporting.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Hello my name is XXXX XXXX. I was on the phone with a XXXX colleagues at XXXX central time, XX/XX/year>. We talked about how XXXX is reporting inaccuracies on my credit report by saying I missed XXXX and XXXX payments. But I got bank statements to prove XXXX subtracted the funds out my account both months. A XXXX employee talked to a supervisor then they gave me this email to attach my proof and statements. Also I was informed by XXXX when I show proof you guys will removed the late payment ASAP. This is really hindering me because my credit is being affected for mistakes XXXX did. Grain dont answer the phone nor respond back to any emails.
Consumer complaint received 2023-05-22
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by XXXX Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' i have already disputed these items, but the bureaus did not remove them, nor prove validation. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX