davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
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. (IL)

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX/ XXXX XXXX, XXXX , XXXX XXXX, XXXX , XXXX XXXX , XXXX, XXXX XXXX, XXXX , XXXX , XXXX , XXXX/XXXX, XXXX XXXX , XXXX, XXXX , XXXX , XXXX/ XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Consumer complaint received 2024-01-31
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)

I sent the follow letters to XXXX, Equifax and XXXX XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 15 USC 6802 and 16 CFR 313.7 XXXX XXXX I am also requesting the following companies stop reporting to any consumer reporting agencies on my behalf immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eagle Financial Services, Inc. (OH)

This entity has not reported payments of two loans with it's entity to any credit bureau. It is believed that this entity violated the truth in lending act and several portions of the Fair Credit Reporting Act. This entity has been reported to the IRS XXXXXXXX XXXX XXXXXXXX for audit, recovery and recoupment of any and all remittances or monies owed to me as well.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-01-31
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three 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 correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I 've disputed this information with Equifax numerous times and have proven that they have this information invalid and that it does n't match any record whatsoever and they failed to remove these from my reports as well as provide the court docs that prove they have it accurately listed. I require that these are removed immediately. I am including the public records pate of my credit report as well as my dispute letters.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

As I've disputed this account blatant inaccuracy before of a late payment. I've taken this a step further and called the furnisher of the misrepresentation and attack on my character, payment history, and exceptional standing in the eyes financial institutions. The credit reporting agencies placed this erroneous late payment on my consumer report and YOU HAVE FALSELY DAMAGED MY CHARACTER AND REPRESENTATION WITH THIS UNJUST, UNVERIFIABLE REPORTING TO MY CONSUMER REPORTS! I WILL SEEK ALL REMEDIES AFFORDED TO ME FROM ALL PARTIES INVOLVED IF THIS MATTER IS NOT BLOCKED AND REMOVED FROM MY CONSUMER REPORT IN 15 DAYS OR LESS! PLEASE ACCEPT THIS AS MY OFFICIAL NOTICE TO CURE AND XXXX! 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge!!!!!!!!!!!!! The law is very very clear
Consumer complaint received 2024-02-01
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2021-01-08
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: CITIBANK, N.A. (GA)

I checked my credit on XX/XX/XXXX at XXXX EST and noticed the following erroneous inquiries listed on my credit that I did not authorize XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXcitibank na/best buyXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Citibank na/best buy XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (OK)

XXXX XXXX, XXXX On the XXXX of XXXX XXXX all of my inquiries were removed and were put back on my report the XXXX of XXXX XXXX. 
Equifax is required by law to inform me within 5 days of reinsertion that they are adding anything to my report and since Equifax failed to notify me, they have broken the law. 
Equifax has violated my rights under the FCRA Section 611 laws! I have called several times and representatives were belligerent and unknowable. 
I have proof of the removal and reinsertion from XXXX XXXX, Equifax Total, and various credit card online reports. May I remind you that it merely costs {$30.00} to file lawsuit against Equifax, and that to avoid having to do that, I am simply requesting a removal of all inquiries and derogatory account that was removed/deleted and reinserted without notification. 

Delete account : 1 ) XXXX XXXX XXXX Delete Inquiries : 1 ) XXXX XXXX ( XXXX XXXX, XXXX ) 2 ) XXXX Bank XXXX ( XXXX XXXX, XXXX ) XXXX ) Credco/Quicken ( XXXX XXXX, XXXX XXXX 4 ) XXXX XXXX , XXXX ( XXXX XXXX, XXXX ) 5 ) XXXX ( XXXX XXXX, XXXX XXXX 6 ) XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX 7 ) XXXX XXXX Bank XXXX ( XXXX XXXX, XXXX ) XXXX ) XXXX ( XXXX XXXX, XXXX ) 9 ) XXXX ( XXXX XXXX, XXXX ) I can see very clearly that they were deleted and reinserted which dropped my score dramatically. It was a mishap in Equifax 's system and while unfortunate, this was not due to anything in my control yet I am being penalized for it with a negative effect on my score. 
I do n't care about XXXX party credit monitoring services, about glitches or any of that. I do know my rights and I know that per FCRA Section 611, you broke the law. 

Please send me a written confirmation that you have complied with my requests. 

Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Consumer complaint received 2024-01-31
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. (TX)

I am writing to dispute an error in the debt collection that you have reported to the credit bureaus, as allowed under 15 U.S.C. 1681. 

I have reviewed my debt and payment history and it is apparent that the information you have reported is inaccurate. I request that you investigate this matter immediately and provide me with documentation that proves the validity of this information. 

Please understand that this error has caused me significant harm, negatively impacting my credit score and ability to obtain credit. I am hereby requesting that you take prompt corrective action to remove this inaccurate information from my credit report. 

Under the Fair Debt Collection Practices Act, you are required to conduct a reasonable investigation into the matter within 30 days of receipt of this dispute letter. I request that you provide me with a written report of your findings on this matter and any action taken to correct the inaccuracy in my credit report, as allowed under 15 U.S.C. 1681. 


After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. A validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not belleve the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2021-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Personal Statement : 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 2019-02-18
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: Russell Collection Agency, Inc (MI)

XXXX  is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 8 accounts reporting to XXXX which are fraudaulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Consumer complaint received 2018-05-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

The purpose of this written request is to request an explanation and documentation as to why a secondary corrected IRS Form 1098 was issued for loan # XXXX. This information is necessary to file an amended 2017 Federal and State Tax Return and to file a formal complaint with Internal Revenue Service against Seterus Inc. and file a formal complaint with the District Attorney Office of XXXX XXXX. 
It appears based on this information provided that Seterus Inc. has been manipulating and wrongfully distributing the contractual principal and interest payments in to a defunct escrow account and suspension account thus resulting in a corrected Form 1098 to be  generated. It also shows that Seterus Inc. is wrongfully administering the contractual principal and interest payments in order to fabricate a delinquent mortgage account with an intent to generate a loan modification for which Seterus Inc. has a financial gain interest in and/or a notice of default to produce unverifiable fees and service charges.
Consumer complaint received 2024-01-31
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. 

I told XXXX, XXXX, and equifax to reinvestigate these accounts : Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX. However, they stated everything was completed accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reported correctly.

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 information is inaccurate.
Consumer complaint received 2024-01-31
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. (TX)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc. (UT)

Mountainland Collection is reporting incorrectly to XXXX and XXXX a collection - account number XXXX. ( Please see page 5 of the attached credit report. ) This was a medical bill that was never submitted to the appropriate department at my insurance company and consequently this bill never got paid. When it finally came to my attention that there was an outstanding bill, it was too late and the bill was forwarded on to collections. I had tried to resolve this issue directly with my insurance company however every time I would call I would get transferred to a different department and was told by each representative that I was able to speak with that this bill would be re-submitted for payment and that it would not go to collections. When I obtained a copy of my most recent credit report, this collection item appeared. This incorrect reporting of a collection that should not be on my credit report is harming my credit score. I request that this line item be deleted or at a minimum change the coding error from an I9 to an I1.
Consumer complaint received 2024-01-30
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three 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 correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

The credit bureau did not actually investigate the results, they only ask the data furnisher to check their records and most companies are unwilling to correct negative information even if its their mistake. My credit score has dropped about XXXX points due to this. I want to see what paperwork the credit bureau investigation consisted of. It is not fair for a credit bureau to do an incomplete investigation, credit is very important these days and just asking a company to correct their records is unacceptable. I need to buy a car and ca n't get a good rate due to XXXX lying. XXXX has sold my loan as an investment vehicle and they do not have an idea where my loan is located, which is required for any company to collect on this debt. Did the credit bureau actually look at any paperwork to see if XXXX can locate my own, I want actually proof of what the credit bureau looked at when they did their investigation.
Consumer complaint received 2015-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WI)

XXXX XXXX was included in bankruptcy and discharged it was listed as in collectionsI disputed it and they correct it then a month later it comes back as in collections open with a balance causeing a XXXX point drop in my fico score. 
I have disputed this XXXX times with them and it gets corrected then goes back to being reported wrongI want this account deleted as it appears eith they or kay continues to do me harm by doing this