davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
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. (LA)

I reviewed my most recent credit report from equifax and I noticed inquiries that does not belong to me. After reaching out to the creditor I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditor agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-08-14
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. (TX)

In accordance with the Fair Credit Reporting Act. XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX violated my rights 15 U.S.C 1681 Section 602 A I have the right to privacy 15 U.S.C 1681 Section 604 A 2 It al so states a consumer reporting agency can not furnish an account without written instruction
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION (MI)

credit acceptance used vehicle loan open in XXXX went in to chapter XXXX XXXX credit acceptance tagged my XXXX  report with 24 late payments when they knew the trustee was paying under my plan they knew these late pays were false when they entered them they need to be made to remove them immediately entries were made during XXXX and my chapter XXXX XXXX just discharged XX/XX/XXXX they legally could not report anything negative then the bankruptcy
Consumer complaint received 2022-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (PA)

IC System at XXXX XXXX, MN XXXX, has been sending me collection notices in the amount of XXXX the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2024-02-17
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)

To whom it may concern, My information was sold and bough illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report.
Consumer complaint received 2022-08-14
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. (CA)

1 ) XXXX XXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : Chargoff {$120.00} 2 ) XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$3200.00} 3 ) XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$890.00} 4 ) XXXX XXXX XXXX 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} 5 ) XXXX XXXX XXXX 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} Items 4 and 5 are duplicate reportings with same account number. 

6 ) XXXX, XXXX XXXX  XXXX Account number : XXXX Date Open : XX/XX/XXXX Balance : Collection  {$1800.00} All of the companies named above violated my 15 U.S.C Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also violating 15 U.S.C section 1692 section 805 A, States a debt collector may not communicate with a consumer in connection in the collection of any debt at any unusual time or place known to be inconvenient to the consumer.

I am requesting these negative reports be removed off my 3 credit reports immediately. XXXX, XXXX and Transunion.
Consumer complaint received 2024-02-17
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. (GA)

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 XXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 2024-02-12
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I have been receiving constant telephone calls of harassment, abusive and profane language, threats of being arrested and sent to jail and prison and threats of death from XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX for debt collection accounts that are not my accounts, are fraudulent accounts and is the result of identity theft. The following accounts are fraudulent and the is the result of identity theft : XXXX XXXX XXXX, {$4900.00}, XXXX XXXX XXXX, {$1100.00}, XXXX XXXX XXXX, {$760.00}, XXXX XXXX XXXX, {$750.00}, XXXX XXXX XXXX, {$660.00}, XXXX XXXX XXXX, {$9100.00}, XXXX XXXX XXXX, {$6100.00} and XXXX XXXX. The above debt collection companies are in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Consumer complaint received 2024-02-11
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. (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/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 XXXXXXXX. XXXX XXXX XXXX XXXX these illegal inquiries are reported illegally on my XXXX XXXX report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP. Also, my XXXX XXXX report has many errors including my date of birth oXXXX XXXX XXXX XXXX  which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXXXXXX XXXXXXXX, my XXXX XXXX has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2020-07-06
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: NAVY FEDERAL CREDIT UNION (GA)

I am requesting for XXXX  to block and remove these fraudulent accounts immediately under FCRA or legal actions will be taken. I have sent multiple faxes to Consumer Affairs Office in XXXX, GA but no actions have been taken. 

These fraudulent accounts have caused me to lose out on job opportunities as well as denied applications from creditors because XXXX  refuses to remove these fraudulent and identity theft accounts. These type of matters need to be taken serious by XXXX. Please block and remove these fraudulent accounts within four days : 1.XXXX  XXXX / XXXX XXXX  | XXXX Balance : {$3000.00} 2.  XXXX XXXX / XXXX | XXXX Balance : {$3400.00} 3.  XXXX XXXX  | XXXX Balance : {$1400.00} 4.  XXXX XXXX  | XXXX Balance : {$8600.00} 5. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 6. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 7.  XXXX/XXXX XXXX XXXX XXXX | XXXX Balance : {$5000.00}
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (GA)

First date of delinquency is XX/XX/XXXX and should be deleted. Report has XXXX as first date of delinquency which is incorrect. This date is part of the info they provided in a previous dispute but they are still refusing to remove. XXXX XXXX has confirmed that the complete payment history was provided and it's XXXX responsibility to report accurately.
Consumer complaint received 2021-02-23
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. (WA)

Dear Credit Bureau I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the ORIGINAL CONTRACT the information should be removed from my credit report within 30 days.I have attached a drivers license as proof of my identity.
Consumer complaint received 2024-02-18
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-02-17
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. (WA)

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.

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 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

The reward terms on my AT & T Access More Card from Citi says " Three ThankYou points earned for every {$1.00} you spend on purchases made online at eligible retail and travel websites. '' However, I have found quite a few qualifying online retail & travel transactions in my last two statements are only earning 1 points. Here are a list of them : Transaction date : XX/XX/2020 Merchant : bestbuy.com Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : XXXX Amount : XXXX My comment : this is clearly an online travel purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : staples.com Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : XXXX Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

All above transactions should earn 3x points according to Citi 's reward terms. However, I only earned 1x points on them.
Consumer complaint received 2024-02-17
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)

I am writing to file a formal complaint against XXXX, XXXX, and Equifax, regarding their handling of inaccurate information on my credit report. Despite disputing the inaccuracies, XXXX, XXXX, and Equifax conducted an insufficient investigation that resulted in the verification of fraudulent accounts, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 
I first became aware of the inaccuracies on my credit report when I noticed discrepancies in the information reported by XXXX, XXXX, and Equifax. I promptly filed a dispute by certified mail with XXXX on XX/XX/2024, tracking number # XXXX, XXXX Tracking # XXXX, and Equifax tracking # XXXX, providing detailed documentation highlighting the incorrect names, dates of opening and closure, as well as the presence of fraudulent accounts. 

Despite my efforts, XXXX 's investigation into the disputed accounts came back as " verified, '' indicating that they failed to conduct a thorough examination of the inaccuracies. The verified presence of fraudulent accounts on my credit report not only tarnishes my creditworthiness but also exposes me to potential financial harm. 
I have enclosed copies of all three credit bureau reports, where I have clearly highlighted in red circles the incorrect information and fraudulent accounts that XXXX failed to address adequately. The discrepancies present on my credit report are not only concerning but also indicative of XXXX 's negligence in upholding their obligations under the FCRA. 
The inaccurate reporting of fraudulent accounts by XXXX is not only damaging to my financial standing but also constitutes a violation of my rights as a consumer. XXXX 's failure to conduct a thorough investigation and rectify the inaccuracies on my credit report is unacceptable and warrants immediate action. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate measures to hold XXXX accountable for their actions. I request that XXXX be compelled to remove the inaccurate and fraudulent accounts from my credit report and take steps to prevent similar incidents from occurring in the future. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that my rights as a consumer are protected.
Consumer complaint received 2020-12-05
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a 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 copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WI)

XX/XX/2019, {$620.00} I have tried to dispute this debt, I have no knowledge about My address is XXXX XXXX XXXX XXXX, XXXX, Wisconsin XXXX I have no knowledge of this account.. please delete this from my file
Consumer complaint received 2019-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MD)

I have tried many times to get this Company called Discover Fin SVCS LLC to remove this account from my Credit Report! {$910.00} Balance. Opened XX/XX/2014 ) I told them many times that my Identity was stolen due to identity theft!!! Now there calling my house and Harassing me and my family members? Can someone please look into this matter as soon as possible? Thank You!