davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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)

I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA.This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely EQUIFAX, XXXX AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MD)

XXXX referred the bill owed to Southwest Credit Systems ( SWC ) for collections. On XX/XX/XXXX, SWC offered to settle the entire account for {$390.00}, which was paid. SWC did not advise XXXX that they made a settlement offer to compromise the amount owed. As a result the account continued to be referred to subsequent collections agencies who have attempted to collect last year ( XXXX ) and again this year ( XXXX ). XXXX has now directed that collection efforts cease but they contend there is still an amount owed of {$340.00}.
Consumer complaint received 2017-07-27
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)

Experian does n't want to delete all the negatives collections and Unauthorize hard inquiries and negative accounts that are closed after Bankruptcy Chapter XXXX after it was discharged by Federal XXXX, Texas on XXXX XXXX,2016.
There should n't be no negatives like collections or creditors open accounts like XXXX XXXX credit cards, all account on credit reports should be deleted. The only creditors that should be displaying on my Experian, XXXX, XXXX should be XXXX XXXX XXXX and XXXX XXXX XXXX.
All other creditors was included on bankruptcy chapter XXXX and Experian data should delete all discharged creditors.
Experian is in violation of my ADA Disability Act Civil Rights under the Department of Justice and Federal Bankruptcy Laws.
Consumer complaint received 2022-12-17
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. (LA)

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 XXXXXXXX, Account # XXXX, Account Name : XXXX, Account # XXXX, Account Name : XXXX XXXXXXXX, Account # 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 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have several times and long time to request and to fix the credit that has been in the credit reportfor a long time and they dont respond back ever. please see previous complaint # XXXX complaint againts XXXX, TRANSUNION XXXX XXXX
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Resolution Group, LLC (LA)

My husband owes a credit card debt for {$450.00}. The account was opened with his permission by me, his wife. The balance is in collections, and the collection agency is threatening to file charges for fraud since my husband is incarcerated. I offered to send them written authorization from my husband, but they declined. This card was opened to purchase belongings for my husband since he wws coming home soon. I set up payment arrangements because of the threat. I made one payment, but was unable to pay more because my income is not enough to pay them among my other household bills. I should n't have to live on fear of this company because of this. I offered to send them permission from my husband, but they declined so they denied my right to prove it.
Consumer complaint received 2022-12-18
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. (AZ)

My personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with police relating to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX 15 U.S.C 1681a : States I have the right to privacy. 
15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

DURING THE PANDEMIC I REQUESTED TO A MODIFICATION LOAN AND INSTEAD THE OFFERRED ANOTHER LOAN THAT WOULD INCREASE YER AFTER YEAR. MY LOAN AGREEMENT DID NOT INCLUDED THAT. I FORGOT WHAT LOAN WAS, BUT DID NOT HELP MUCH. THEY CONTINUE INCREASING MY MONTHLY PAY. I HAD ENOUGH. FAY SERVICING IS THE MORTGAGE COMPANY.
Consumer complaint received 2022-12-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX. I submited disputes to the credit bureaus and I have not recieved any correspondence to this matter. Under the FCRA, they are supposed to investigate and notify me within 30 days. That has not been done.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing To delete the Information In my File. The Items I need Deleted are listed in the report. I am Victim Of identity Theft and did not Make The Charge. I Ask That the Items Be deleted To Correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed Of the Federal trade commissions identity theft Affidavit. please delete the items as soon as possible.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Synovus Bank (FL)

My issue is fees are charged when transactions accounted for process because I hit a XXXX balance. Not new transactions that exceed my balance.it has been several XXXX several times the last 9 months. Not just transactions that actually exceed my balance but the same ones accounted for that process days after the hold for my balance.im not actually exceeding my balance in most cases but it charges fees anyhow. I have actually overdrawn and I expect those fees. Not the ones that never actually exceeded my availability.
Consumer complaint received 2017-07-27
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. (CA)

Upon reviewing my credit report this morning I noticed that this credit bureau has not removed an illegal account from my credit profile ( MACYS # XXXX ). I have disputed the accuracy here on this board once before and the fact that this account has been inactive for over 8 years and that the terms are incorrect and contradictory makes me very frustrated at how its continues to appear on my credit report. This is outrageous and irresponsible ... I have repeatedly asked them to remove this derogatory item and stop illegally damaging my credit score and they have failed to listen and remove this incorrect account which displays contradictory information and that is against the law. I have not been in collection with this company ever and yet every bureau displays some completely different information in the remarks, terms, monthly cycles and so on with different dates and incorrect amount. When an account is past the statue of limitation every consumer is aware that it is in strict violation of FCRA law to re-age it and change its terms to keep it on the profile. I have had immaculate credit for the last 8 years and so this account is being illegally re-aged and placed back on my credit report every time i dispute it. Whats worse is that XXXX and Equifax have absolutely different terms, balances, information and such. The monthly cycles have all been deleted so that it is NOT even possible to verify the last payment in order to remove the old account. They continually and illegally delete this accounts information and change it around just to call it an investigation and that is unprofessional and truly illegal. I am asking that this account be removed and NOT re-aged, not have its information deleted and changed to suit their false investigation and I would like my credit reports mailed to me as proof that this illegal account has been deleted permanently from my report please. Thank you
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion continues to violate the FDCPA as well as my Consumer and Civil rights. They are continuing to report a unverifiable, erroneous Public Record on Consumer Report. They have been repeatedly Lying about Verifying this. I have sent them the proof that someone in their company is lying. I need them to FOLLOW THE LAW and remove this Defaming account off my credit report.
Consumer complaint received 2021-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Inquiry date : XX/XX/XXXX XXXX OF XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/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 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 2020
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, and invalidated and you responded by stating you were able to verify or validate. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made have failed to provide proof of how those inaccuracies information were verify, what method was used and who verified it? 
you failed to comply and provide those information by law to remove it from my credit file. I urge you to remove this LATE PAYEMENT on my account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once XXXX XXXXXXXX ID # XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX  account # XXXX
Consumer complaint received 2022-10-26
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)

On XX/XX/XXXX, I mailed a certified debt validation letter to collection agency, XXXX XXXX XXXX to verify this debt is mine. This creditor has failed to respond in a timely manner to my dispute and fail to validate this account correctly belonging to me, nor has my credit report has been updated that the account is disputed. After review my account as of XX/XX/XXXX, there has been no updates. Please strike and remove this account from Equifax until adequate validation has been received proving that the amount belongs to me and all information is correct.
Consumer complaint received 2017-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU (CO)

My doctor ordered XXXX XXXX which may have been performed by XXXX XXXX XXXX but for which I have not received any XXXX XXXX detailing results and XXXX performed. I have contacted other labs in the XXXX XXXX area which indicate that the amounts charged are higher than competitive labs in the XXXX XXXX area, and despite my written request for lab report I still have not received said lab report. The lateness of the report means that I was NOT able to take effective action to reduce my XXXX before it became chronic so XXXX XXXX XXXX endangered my health by their lack of action. Additionally while trying to reconcile this billing I was told to call client services but I am deaf so that option is not acceptable. XXXX XXXX XXXX then sent my bill to Creditors Bureau which is a violation of HIPPA in as much that no medical information may be shared with third party without my consent. XXXX believes that I should travel back to XXXX XXXX to obtain this report from my provider but this is not acceptable or affordable to me since I have left that area for employment.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as SSN and DOB in order for it to appear in your personal credit file. The Credit Bureau has not updated the information and per the new law, true Bankruptcy listed does NOT include this information and should be deleted from my credit report.
Consumer complaint received 2024-03-12
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)

I have been a victim of identity theft and I have sent out multiple letters and reports from the ftc in which I was prompted to provide. These letters and FTC reports were sent out on XX/XX/2024 and I have yet to hear back from XXXX, XXXX, or Equifax. This dispute was not done in error and it is coming from myself XXXX XXXX and not a third party. I need these unauthorized accounts and inquiries removed immediately because they do not belong to me AND I DID NOT GIVE MY CONSENT TO OPEN OR FURNISH THESE ACCOUNTS TO MY CREDIT REPORT. my information was breached in the equifax data breach as well as experian and transunion data breach. It's been well over 30 days and it's now A MUST YOU DELETE AND REMOVE ALL DISPUTED ITEMS IMMEDIATELY!! MY DRIVERS LICENSE IS ON EVERY LETTER AND MY PROOF OF ADDRESS IS ATTACHED