davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
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 recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission. 

According to 15 USC 1681, I have the right to privacy.

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-02-19
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Equifax have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions, and I HAVE NOT given ANY consumer reporting agency written instructions to furnish anything. 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.15 USC 1692b without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. I have not given consent to ANY collection 's agency REMOVE ALL LATE PAYMENTS AND COLLECTIONS FROM MY CREDIT PROFILE IMMEDIATELY!
Consumer complaint received 2024-02-19
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-19
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 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: ENCORE CAPITAL GROUP INC. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 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 2024-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CT)

I am writing to dispute the presence of fraudulent accounts on my credit report despite confirmation from associated banks and valid identity theft documentation. The banks have assured over the phone to remove these accounts, yet they persist, indicating a failure to comply with the law. 
Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
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. (GA)

I am writing to file a formal complaint regarding the multiple unsuccessful attempts to correct the late open status and remove the charge-off account from my credit report. Despite numerous requests and providing extensive documentation to support my claims, the erroneous information persists on my credit report, causing significant harm to my financial standing and reputation. 

I first reported the inaccuracies in my credit report and have since made several subsequent attempts to rectify the situation. However, despite my efforts and the submission of supporting evidence, including [ list any supporting documents, such as payment receipts, correspondence with the creditor, the late open and charge-off accountS continue to tarnish my credit history. 

The presence of these inaccuracies not only undermines my financial credibility but also affects my ability to access credit and financial services on fair terms. Moreover, the repeated failure to address my dispute suggests a systemic failure within your organization to handle consumer complaints effectively and efficiently. 

I urge you to take immediate action to correct the inaccuracies in my credit report and remove the late open and charge-off account without further delay. Specifically, I request that you : Conduct a thorough review of my dispute and the supporting documentation provided. 
Rectify the late open status and remove the charge-off account from my credit report promptly. 
Provide me with written confirmation once the inaccuracies have been corrected. 
Implement measures to prevent similar errors from occurring in the future and improve the dispute resolution process to ensure timely and accurate resolution of consumer disputes. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will compel me to escalate my complaint to higher authorities and explore legal remedies to protect my rights and interests under the Fair Credit Reporting Act. I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX XXXX XXXX : {$4500.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2020-05-16
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: TRUIST FINANCIAL CORPORATION (MS)

Since XX/XX/2020, I have been back and forth with XXXX  about unauthorized inquires being reported on my XXXX  credit report. I have written them 4 different letters requesting that they be removed to no avail. Since XX/XX/2020, I only recall authorizing 1 inquiry into my credit and that was from XXXX XXXX Visa in XX/XX/XXXX. The following inquires have been disputed as unauthorized several times and remain on my Transunion credit report : Suntrust DBA LightStream  XX/XX/20 XXXX  XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX   XX/XX/20 I do not recognize these inquires, the company associated with them, any firm offer of credit with them, or any account that I hold being associated with them.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2024-02-19
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. (MD)

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Check Resolution Inc. (OR)

I am a XXXX woman who owns a small retail business locates in downtown XXXX, Oregon. I borrowed about $ XXXX in business loans from a funding company XXXX. I was barely on time with my loan payments before the Covid-19 pandemic that hit the entire country. My business was forced to close as per directives from the XXXX of XXXX and our XXXX of Oregon. 

Due to the Covid-19 pandemic and store closure, I fell behind in my loan payments, and XXXX XXXX XXXX sent my loan account to a collection agency names National Check Resolution Inc. for collection. This company got in touch with me on XX/XX/XXXX, and we worked out a payment plan, which both parties were agreeable to this payment plan. They sent me a form to fill out with the monthly amount to be paid on each date, per month, and the final payment amount on which year. However, after 2-3 months, NCR changed their tune and said they wanted to collect the entire amount. I explained to their agent XXXX, who assisted me with the payment plan agreement, my business situation hasn't changed since XX/XX/XXXX. I was still struggling with my retail business and didn't have that kind of money to pay the entire balance. I also brought up the agreement paperwork that I filled out and signed with National Check Resolution , Inc., which said I only have to pay a small amount every month, it also stated I have until XXXX to pay the last balance. XXXX, the agent said, she recorded me over the phone to show that I agree to a 3 months evaluation to see if I continue to make the payment to NCR, which I did agree to a 3 months evaluation. However, I never agreed to pay the entire amount in full after 3 months as I don't have a $ XXXX lump sum to pay due to lack of retail business in my town. Today, on Tuesday, XX/XX/XXXX at XXXX XXXX, the agent named XXXX from NCR called me and left the following voicemail message on my cell phone : " Yes, this message is intended for __, and this is XXXX with NCR touching bases with you concerning the outstanding XXXX XXXX XXXX, I do need to get the name and number of the attorney that's representing you on your outstanding balance if you can contact the office back at XXXX. 

My heart sank as I listened to this voicemail message. First, I do not have an attorney ; I find this voicemail message extremely threatening and intimidating. I see NCR as a big collection company that's threatening a woman minority business owner who's struggling to keep her small business afloat while dealing with our country 's pandemic. I feel so helpless, and I don't know what to do? 

At this point, I want their abusive phone calls to stop, and I want NCR to uphold their payment plan agreement with me which I've signed with them on XX/XX/XXXX. I have documents of the payment agreement that I signed with NCR, and I can produce the proof.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-19
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I bought a Toyota XXXX  from XXXX XXXX dealership on XX/XX/2020. My dealer 's name is XXXX, he is the finance manager there. When I bought the car he lied to me about the process of buying a car from their dealership. He told me that I would have to just sign a few documents at the time of the purchase and that he'll forward the contract to my address by mail within a couple of days and if I have questions about it he told me to contact him. So he never told me about any optional service agreements other than the gap insurance. So I bought the car on XX/XX/2020. The contract documents never arrived at my address so I called him, emailed him so many times, but he never answered or replied. So I went to the dealership and got a copy for my self and that's when I learned about the optional service agreements. So again I called, texted and emailed him to remove the optional agreements that cost additional {$7000.00} on top of the car price. He never answered or replied to me. Every time I went to the dealership they would say he's on vacation or out or something. After visiting the dealership about 20 times other than calling, emailing and texting about a XXXX times. I finally found him at his office on XX/XX/2020. He agreed to remove the optional service agreements and he gave me a signed paper with a cancelation date. Eventhough it has been almost a year, the service agreements were never canceled. I'm paying additional {$7000.00} with interest for 60 months because he refused to cancel. Please I need help or I'll have to find a lawyer and sue the company and him for fraud.
Consumer complaint received 2024-02-19
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. (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. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-19
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)

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 items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-19
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 submitting to contest the accuracy of my credit reports. Following an examination of my reports, I have identified an erroneous account that is adversely impacting my credit score. In accordance with the Fair Credit Reporting Act ( FCRA ), it is incumbent upon credit reporting agencies to ensure the precision and currency of information contained in credit reports. Consequently, I am requesting that you conduct an investigation into this account and effect the requisite updates to ensure the accuracy of my credit reports. The following accounts per bureau are erroneous and necessitate correction from my credit reports : XXXX : XXXX XXXX XXXX Balance Owed : {$14000.00} -- -- -- -- -- -Equifax : XXXX XXXX XXXX Balance Owed : {$14000.00} -- -- -- -- -- -XXXX  : XXXX  XXXX XXXX Balance Owed : {$14000.00}. I have included a copy of my personal documents highlighting my identity for your reference. I would appreciate it if you could furnish me with an update on the status of my dispute within 30 days as mandated by the FCRA. Thank you for your attention to this matter. Please inform me if you require any additional information or documentation to assist with the investigation of these accounts.