davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

This is my second time addressing this issue. The credit bureaus are reporting inaccurate information about my auto loan on my credit profile. I was never 30 days late, and my car is in my possession not repossessed! XXXX XXXX is reporting inaccurately and the credit bureaus are failing to properly investigate and report accurately. The first time I made a complaint about this issue, it was immediately removed from my credit profile and the account was updated to report positively on my credit report, however they later added this inaccurate reporting back on to my credit profile without ever notifying me! This inaccurate reporting has caused me to lose -166pts on my credit score and this information is totally inaccurate!! I would like this inaccurate reporting to be permanently removed from my profile and not just added back later!! According to the FCRA once information is deleted from your profile, it is not to be added back later!! This violates my rights as a consumer and I would like this fixed immediately!
Consumer complaint received 2024-03-15
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. (NY)

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 2024-03-15
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. (PA)

This company is in direct violation of the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumee credit report clearly states ( A ) EXCLUSIOS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject 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 and in has been well established that collection accounts are a transaction and experience.
Consumer complaint received 2024-03-15
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. (MI)

In accordance with the fair credit reporting at the list of accounts below, have my violated federal Protected consumer rights to privacy and confidentiality under 15 US C 1681 these accounts : XXXX XXXX XXXX accounts number :XXXX XXXX XXXX : account number:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US C 1681 sections 602 states I have a right to privacy and according to 15 USC 1681 EB . They are supposed to ensure this whenever a consumer reporting agency prepare consumer report. It shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom report relates 15 USC 1681C section states no consumer reported agency may make any consumer reporting cons containing any of the following items of information any other advertise items of information, other than records conviction of crimes, which dates the report by more than seven years 15 USC 1681S to a one a a person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to be believe that the end information is an accurate
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX and Equifax use an account ending in XXXX that was in repayment plan with this creditor to decrease my credit score in excess in an unfair way that decreased my credit score by XXXX points. This was an unfair discriminative behavior, this account is in a repayment plan I made a payment just yesterday on XX/XX/year>. The creditor action with Equifax was not reasonable and an abuse/adverse to my rights regarding the FCRA. In comparison to a recent change to my credit report with this credit bureau Equifax today, this should not have been reported. The creditor is not reporting in accuracy nor in fairness. Another issue with the creditor in violation is that when we agreed to setup payment arrangements in XXXX the payments was supposed to be taken out on the XXXX of each XXXX. This creditor XXXX XXXX XXXX XXXX started to take the payments out on the XXXX of XX/XX/year> earlier than agreed which was a violation of our agreement. Now they reported this payment as a collection and I just made a payment as a with agreement. My credit score was unfairly decreased. I feel this type of action on my credit report was discrimination and negligent. Both parties failed to exercise the proper care to taken action in reasonable regards to my credit reporting information. This is negligent, unfair discriminant behavior because I have proof on making the arrangements payment of {$37.00} on XX/XX/year>.
Consumer complaint received 2019-12-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Recovery Solutions, LLC (KS)

I was called on XX/XX/XXXX by a gentleman representing himself as working for a 3rd party collection agency called XXXX. Upon talking to him he of let me know his name was XXXX XXXX and he had taken over a debt that I owed to a creditor. He claimed that I old a creditor over an even higher cost named XXXX XXXX whom I have never heard of. He began to tell me that the original amount that was taken out was one amount but somehow because the interest rate doubled I now owed them roughly an even larger amount due. Again I have no idea who this collection agency is nor I have I received any information any correspondence and/or any form of validation to who they are. 

Upon talking to the gentleman also he began to keep up conversation with me regarding this debt that I owed stating that if it was not paid that he/ would move forward or his company would move forward in litigation in order to obtain the funds to eliminate the debt owed to a company called XXXX XXXX. Additionally he also informed me that if I did not agree to pay the said amount the company would move forward and sue me for the amount owed. 

During our conversation on the phone the gentleman named XXXX XXXX continued a conversation with me outside of the realm of the conversation regarding the debt. He continued to discuss with me information that was irrelevant to the debt himself. He then returned to his communication with regard to the consequences that could be done to me if I did not pay the amount of the debt due. 

I have attached our phone conversation to this claim. He also failed to inform me that he was a debt collector and that his call was an attempt to collect monies owed. He threatened me with litigation for a debt that I did not owe. He also informed me that he would send me copies of all of my documentation regarding this issue. It has been a week and a half and I still have yet to receive any form of documentation that would establish any agreement with the company he claims. 

He completely lied about everything that he said and caused me to have XXXX XXXX and XXXX  and XXXX XXXX because he has called over 15 times. He also said that he was located in XXXX New York, however, nowhere on the internet search does it show that this company has offices outside of California or Florida. 

Please help me to find out who this is. He had my personal information such as my date of birth, last 4 of my social security number, my address and the my occupation which can be found on my credit report. 

This is out right fraudulent financial activities. Please investigate this company.
Consumer complaint received 2023-05-23
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. (SC)

I want to dispute these accounts and inquiries because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-03-15
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. (TN)

I received a notification about a new inquiry on my Equifax credit report on XX/XX/2023. 
The inquiry was from XXXX XXXX, XXXX. 
I contacted Equifax by phone to report that I didnt recognize the inquiry and did not apply for this credit. I was told to contact XXXX which I did. I was told by XXXX that they didnt have any records showing where I had applied for credit and they couldnt do anything. 
I called Equifax again and this representative told me to mail them a letter along with a copy of my license requesting the removal. 
After a few months I called Equifax again and that representative told me they would be removing it and would take up to a few weeks. 
I then received a letter from equifax stating that the inquiry investigation was complete and that it had been removed and that they would take measures to make sure it didnt reappear. 
I kept checking my credit report every day for over 2 months and it was never removed. 
I called Equifax again last night and was told that they mustve verified the information and they couldnt remove it. 
I have been calling back and forth between Equifax and XXXX since XX/XX/2023 and every time Im jumping through hoops and on hold for anywhere from 30 minutes to hours. As somebody who is XXXX this is very difficult. 
If this inquiry was truly mine I would be fine but it is not mine. 
I did not apply for credit with XXXX XXXX, XXXX on XX/XX/2023 and I would greatly appreciate any help you can provide. 
Thank you
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

I am in receipt of your letter dated XX/XX/2019. Although your letter is partially correct, there are some issues that have not been resolved. I will list below, again as I have written this numerous times. 

In XXXX, a representative put my account in bankruptcy, which was determined incorrect based on the telephone conversation recorded and your investigation. This change in my account resulted in my auto payment for XXXX to be removed and my account no longer accessible. You agreed to make my account current and report same with the credit bureau for XXXX, which you did. 

I was set up on the payment plan XX/XX/XXXX which I was told would remove any late notations, reduce interest rate and APR rate. This did happen and {$59.00} was made that same day. However, 2 days later it was reported late to the credit bureaus. 

On XX/XX/XXXX, Barclays took {$340.00} from my account instead of {$59.00} that I set up. I contacted Barclays customer service and collections numerous times and told it was in the process to be refunded. I never received the refund until I contacted my bank. It was not a courtesy refund from Barclays. I asked Barclays again to refund the difference and apply {$59.00} to my XXXX payment. To date, that did not happen and I made {$59.00} payment Friday. 

On XX/XX/XXXX, {$59.00} was taken from my account and cleared my bank. 

Now the problem and this is a serious problem. Barclays is reporting me to the credit bureaus 3 months past due for XXXX, XXXX and XXXX. This is grossly inaccurate. I sent documentation of the XXXX, XXXX and XXXX payments to Barclays. How hard is it to fix this with the credit bureaus? I have been dealing with this since XXXX because your employee took it upon herself to change my account status. If she had left well enough alone this would be a moot issue. 

Here is what is happening, the right hand is not talking to the left hand. All you have to do is report my account current with the Credit Bureaus for XXXX through XXXX for the payments I made. It's plain and simple. 

Four months is too long and my patience is gone. You clearly have received the payments and documentation has been forwarded to Barclays, yourself and Mr. XXXX. 

I received an email that someone would be contacting me within 24-48 hours to discuss my case. That was 4 days ago. No contact. Mr. XXXX also emailed me that someone would be contacting me. No contact has been made. You, Ms. XXXX stated in emails you tried to reach me but were unsuccessful. This is also incorrect. You have not answered any of my calls or emails until this XX/XX/XXXX letter. I have records and documentation of the dates, times and content of my contacts with Barclays, Mr. XXXX and yourself. 

This in one of many emails I have sent to MsXXXX XXXX in the Office of the President has done unanswered and resolved.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

Discharge Date : XX/XX/2015 from the hospital and was unable to pay co-payment after insurance. It went into collections and is now over XXXX XXXX XXXX. XXXX, XXXX and XXXX is a third-party collection agency who bought the debt later and refuses to delete it from my credit. this original debt is over XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had a personal loan with XXXX XXXX XXXX XXXX and because of the covid-19 I couldn't pay on it and it went to collections sometime later I contacted the credit union I made arrangements a little before XX/XX/20 and I started paying on the loan sometime later I finally paid off the loan on XXXX, XXXX but I went to pull my TransUnion credit report and it's still saying it's in collections/ charge off which is not true and I know what the Fair credit reporting act that they have to report accurate information and I will show the actual law that they have to follow I will show also as well that the bank statement showing that I owe absolutely nothing on this loan and it's paid off and the attachment below the account number that TransUnion has associated with this account is account number XXXX
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2023, an unknown party purchased {$1000.00} worth of products using my credit card number on the online portal for XXXX XXXX. Sometime later, that order was physically picked up in a store far from my home by someone who was not me. XXXX XXXX does not appear to have asked for any proof of identification for the pickup. Video monitoring for the pickup ( which surely would have revealed that the person who picked up the order was not me ) appears to have been broken or is for some other reason inaccessible. 

I reported the transaction as fraudulent to my bank ( Chase ) and received a credit back for the charge while they opened an investigation on the case. 

Today, two months later, I received notification from Chase that I was being charged for the purchase again. I do not know the status of their investigation, and I will not be able to find out what happened until next Monday. I will pursue that, but predict I will be faced with many difficulties in reopening the case again by myself. XXXX XXXX was similarly unhelpful in preparing a case for me, but I don't know what really happened. I need some help.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am deeply concerned and frustrated to discover that despite your confirmation of the deletion of certain inquiries from my consumer report, they have been reinserted. This violates my rights under the FCRA and disregards the authority of the CFPB, to whom I initially reported this issue. 

I filed a complaint with the CFPB regarding unauthorized inquiries. Equifax 's letter dated XX/XX/XXXX XXXX XXXX, XXXX confirmed their removal, leading me to believe the matter was resolved. However, upon reviewing my updated report, I found the inquiries reinstated. By reinserting inquiries that were previously confirmed as deleted, Equifax is not only breaching its duty to accurately report consumer information but is also misleading consumers and regulatory bodies alike. It is deeply troubling to note that Equifax not only failed to uphold its commitment to rectify the inaccuracies on my consumer report but also provided false information to the CFPB regarding the resolution of this matter. Such actions undermine the integrity of the credit reporting system and erode trust in Equifax 's ability to handle consumer disputes effectively and ethically. Furthermore, I expect a thorough investigation into the circumstances surrounding this incident and accountability for those responsible for providing false information to both me and the CFPB. 

Failure to address this matter promptly and adequately will compel me to escalate my complaint through legal channels and pursue all available remedies under the FCRA and other applicable laws. 

Expecting an urgent response and resolution. 

Here is the list of Inquiries that was deleted and now REINSERTED again : XXXX XXXX - Inquiry Date - XX/XX/XXXX XXXX XXXX - Inquiry Date - XX/XX/XXXX XXXX XXXX  - Inquiry Date - XX/XX/XXXX XXXX XXXX  - Inquiry Date - XX/XX/XXXX XXXX XXXX - Inquiry Date - XX/XX/XXXX XXXX XXXX XXXX Date - XX/XX/XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
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)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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.