davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-20
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: EQUIFAX, INC. (IN)

I have tried to get the following fraudulent account removed from my report with Equifax for the last couple months. Despite numerous efforts Equifax continues to report it on my credit report. I have opened up a idenity theft complaint with the Indiana Attorney General 's Office. Please see the complaint number attached. I despite that the items be removed. If not, I will continue with further legal action. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (CA)

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. 

Accounts : XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXXXXXX XXXX XXXX # XXXX, # XXXX have 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 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Salllie Mae has a fraudulent account on my credit reports since 2005. Sallie Mae is false credit reporting to keep this on my credit reports. I am not aware of this loan. It has been on my credit reports since 2005 which makes that on my credit report almost 11 years in which according to fair credit reporting, time for deletion as far as the time frame is calculated from the last payment date history in which there is none, never paid on this, so that would start from 2005. I can ask for the XXXX credit bureaus to delete. I have never paid on this unknown account, again that makes no payment history from initial reporting 2005 until now. So that alone the account is eligible for removal with no payment history. Sallie Mae needs to stop falsifying information.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Account Number Num : Balance {$220.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 

XXXX XXXX
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I contacted XXXX XXXX to request proof of validation regarding account # XXXX. The furnisher was unable to locate anything related to the account due to the fact that it was never late. According to them, XXXX XXXX could not find any validations or information on their files pertaining to this account. I do n't quite understand why the bureaus continue to verify these late payments, when in fact they were never validated by the original creditor. According to section 623 of the FCRA, the CRA 's are required to remove this account from my credit report due to the fact that it 's not accurately reported. In addition, pursuant to regulation Z, TILA, and the Credit Billing Act, set forth CRA is required to cease and decease all negative reporting including the late payments. In accordance with section 611 of the FCRA, all of the parties involved are required to comply accordingly.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XP/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XP/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX 1 PD WAS XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX PAID CHGOFF XP/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

I have disputed XXXX address on my credit report. Experian said the addresses were removed and that my credit report only showed my current address. However, the following week I called Experian on XXXX/XXXX/15 only to XXXX that they did not remove the addresses that they claimed were removed.
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

I have filed several disputes with XXXX and Equifax for Maryland State Tax Liens. I was able to obtain lien releases for both tax liens for XXXX and XXXX, which should have been removed in XXXX and XXXX respectively. The credit reporting agency refused to remove these liens, reported incorrect account and case numbers, and court information on the reports. When I called the number on the credit report, the information is not verifiable and I was told that this information does not exist. In essence, the credit reporting agencies are " rubber stamping '' invalid and incorrect information without confirming the validity of the liens. The courts do not report to the credit reporting agencies. Also, these liens are over XXXX to XXXX XXXX XXXX, well beyond the age limit for credit reporting. This has caused financial distress and caused me to be denied for Home Equity loans, mortgage loan modifications, student loans for my children, and other consumer loans. This has adversely affected my FICO score.
Consumer complaint received 2017-05-29
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: EQUIFAX, INC. (NJ)

XXXX   XXXX  services provided documentation to remove this account from my credit file Equifax refuses to remove the account. Equifax does not read the letters provided in order to correct the credit. If this error does not get removed from my credit file asap, i will file court proceedings against them. i have further attached the documentation.   it has been over 6months since the last filed complaint that was never cleared.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I DISPUTED SOME FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT FILE THAT WAS PREVIOUS DELETED I WAS N'T NOTIFIED THAT IT WAS GOING TO BE REINSERTED IN MY FILE I HAVE CONTACTED THE CONSUMER AFFAIRS DEPARTMENT FOR THE LAST 5 MONTHS THE AGENT XXXX SAID SOMEONE WOULD CONTACT ME WITHIN 48 HOURS THAT 'S BEEN 5 MONTHS AGO
Consumer complaint received 2017-05-29
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. (FL)

XXXX ,   XXXX   and Equifax are reporting late payment history for an obsolete account that is eligible for deletion.  XXXX   XXXX , account number  XXXX , date opened  XXXX /2005. This account was not paid late and I have asked  XXXX ,  XXXX  and Equifax repetitively to remove the outdated account with incorrect payment history.. Then I have asked for the  XXXX , Equifax and  XXXX  if verified to please provide how this debt was verified and to please provide who verified so that I can escalate the matter to assist me in getting this outdated account removed with incorrect payment history. I am baffled as to why the company is refusing to remove the outdated account or update the incorrect payment history. I have not been late with the account.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Equifax is reporting a XXXX card that I am an Authorized User on. This is incorrect. I do not know anyone that added me to a XXXX card. I have written Equifax several times over the past few years to no avail.
Consumer complaint received 2021-11-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

On XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I disputed XXXX Inquiries for a credit line for an Auto loan with Equifax. These XXXX Auto inquiries were done on the same date therefore XXXX inquiries should not be on my report but only XXXX. I disputed that XXXX of the inquiries to be removed due to the rules of applying for an auto loan within time frame. The results were that XXXX inquires will stay on report.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have disputed public record with Equifax that are not mine. Equifax said they investigated and refused to remove the account but then re aged the original date from the original XXXX date to XXXX XXXX!! I have contacted Equifax and they still refused to remove the account. 

The other XXXX credit bureaus has since removed this account.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EQUIFAX, INC. (IL)

I AM TRYING TO SEE MY FULL CREDIT REPORT. I CHECKED A MONTH AGO IT WAS SOMETHING ON MY REPORT THAT I NEVER HEARD OF. NOW IT 'S JUST SAYING XXXX AND XXXX ACCOUNT BALANCE {$190.00}.
Consumer complaint received 2020-04-20
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: EQUIFAX, INC. (VA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.
Consumer complaint received 2015-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I would like to notify the CFPB that on XXXX XXXX, 2015 I received a notification from my Equifax and XXXX XXXX XXXX monitoring report that XXXX XXXX XXXX # XXXX was deleted and removed permanently from my credit report. I have just seen it reappear on my credit report after being gone for 4 months. Whatever has occurred is not legal and not professional. This account was insanely inaccurate and outdated past the statue of limitation. Its history was incorrect and so where the terms and balances and it WAS NEVER properly veered and subsequently deleted in XXXX. The fact that it has reappeared is affecting me greatly, I am fixing the inaccuracies and would appreciate the help of the CFPB to force Equifax to act lawfully and not try to ruin my life. I am a smart consumer, i am a student and becoming a XXXX. I have no time for this and would like to start my life now, please!!!!!!!!!
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I sent a QWR to XXXX/Seterus On XX/XX/2016 there was no response to my questions but they did withdraw the foreclosure on the XX/XX/XXXX. I still have not received any answers especially about being reimbursed for all the fees/penalties & over payments of mortgage. In stead I was sent a statement charging me for their expenses related to the false foreclosure & increasing my mortgage payment.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (OH)

For more than a year I have attempted to close my accounts with PayPal/Synchrony Bank not only because of permitting scammers to charge OVER {$1000.00} ( An issue which was resolved by transferring the total amount of one card to a reputable bank and completely paying off the balance on a " prepaid '' account ). The company also gave my direct pay bank account information to XXXX XXXX for which they withdrew a direct payment of {$6.00} membership fees. Because of this violation of this company 's own privacy policy, I had my bank close the contacted account and create a new one for which I had to have printed and purchased new checks at my own expense. At that time I requested all accounts be closed which they have refused to do. I am attaching a copy their response. 
It is important to note all accounts have been paid in full for some months yet per the attached they refuse to close all and I have already found someone used my email address, changed the password and attempted a purchase. 
This will continue as long as this remains open.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CO)

I am writing to dispute the account XXXX Account Number XXXX & XXXX and XXXX XXXX XXXX Account number XXXX & XXXX that is currently being referenced on my Equifax credit report. I have disputed this account information as inaccurate with Equifax, and Equifax has come back to me and stated that you were able to verify this alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX XXXX and XXXX myself several times and have been unable to get them to verify that this alleged debt is indeed mine. 
I have previously enclose copies of my requests for them to Validate these alleged debts, and the receipts showing that I sent these letter via certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to these alleged collection company currently being listed on my Equifax credit report. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Equifax is now obligated by law to remove the disputed items. This is a clear case of unverified debt here, and I urge Equifax to remove these items before I am forced to take legal action. 
Equifax is also continuing to report inaccurate addressing information on my Equifax credit report I have never resided at the address currently being listed as Previous Address which is as follows:XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX1REPORTED : XX/XX/2015PLEASE VERIFY THIS INACCURATE ADDRESS INFORMATION AND REMOVE IT AS SOON AS POSSIBLE. 
MY ADDRESS INFORMATION SHOULD ONLY BE REFLECTING AS XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX