davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 -Untitled { XXXX Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { XXXX  Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { XXXX  Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$3100.00} EQUIFAX : XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX XXXX Balance XXXX {$9800.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Liability : {$0.00}
Consumer complaint received 2022-10-24
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. (GA)

To whom it may concern. 

My name is XXXX XXXX XXXX. I was checking my credit score and I noticed 2 hard inquiries that I did not make. They were booth on the same day XX/XX/2022. One was reported by XXXX and one by Experian. 

The XXXX one was showing the inquiry done by " XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ''. I tried to contact this agency on the phone number I found online ( XXXX ) XXXX which no one answered. I research that institution online and it says that agency is closed. 

Experian was showing that inquiry done by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found their phone number and contacted them on ( XXXX ) XXXX ''. They confirmed they received the request but were investigating because they could not confirm it was really myself, they told me I was victim of fraud. They said they would stop the process right away and send a letter to Experian and to myself. 

I contacted XXXX and they directed me to file a complaint with CFPB for fraud and send them the document. 

Someone used my information with XXXX and XXXX XXXX XXXX. I was victim of fraud. I am contacting Experian, XXXX, XXXX, XXXX and XXXX XXXX to put a fraud alert. 

Thank you.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). //// XXXX, XXXX and EQUIFAX are CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g/// XXXX, XXXX and EQUIFAX violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// XXXX, XXXX and EQUIFAX violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ), furnishing negative information without my consent //// XXXX, XXXX and EQUIFAX reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and those financial institutions///// XXXX, XXXX and EQUIFAX also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// XXXX, XXXX and EQUIFAX also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to XXXX, XXXX and EQUIFAX non-compliance and violation of the FCRA /////I DEMAND the complete removal of the XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX accounts including and not limited to any NEGATIVE REMARKS reported by XXXX, XXXX and EQUIFAX ( they were furnished without my consent ) /// NOTICE IS GIVEN : In the event XXXX, XXXX and EQUIFAX failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXXXXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance XXXX {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (VA)

When I reviewed my credit report, I found out that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} ; CHLD SUPP VA XXXX XXXX : {$0.00}
Consumer complaint received 2022-05-16
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX
Consumer complaint received 2022-08-23
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. (CA)

On XX/XX/2022, I received an alert from Experian that my credit score has a negative change. When I looked into my Experian account I saw that a credit line I had never heard of had been opened in my name and was past due on payments. The creditor is XXXX XXXX and when I contacted them I was told that I had opened the account in XXXX of XXXX  and was past due on payments as of XX/XX/XXXX. I disputed that this was my account and they immediately closed the account to and said they were sending me paperwork about further disputing the fraud ( which has not yet happened ). Experian also followed up with the company but did not resolve the issue or remove the negative account from my credit report. I also opened a police report with the XXXX XXXX police department on XX/XX/2022 ( report XXXX ). Also, while this dispute with Experian was ongoing, someone hacked my Experian account and changed all my personal information : email address, phone number, password, security question, etc. I believe I have resolved this with Experian but it's clear someone had created a fraudulent account in my name and then tried to hide it from me. If it helps at all, the phone number that was entered in the Experian system and which is not mine is XXXX.
Consumer complaint received 2022-06-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural XXXX XXXX consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, 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.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 

Also, In accordance with the fair credit reporting act XXXX Account # XXXX, has 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 a account without my written instructions. 







Kind regards, XXXX XXXX XXXX : CFPB XXXX : FTC XXXX : ATTORNEY GENERAL
Consumer complaint received 2022-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK (TX)

This is regarding : https : //myaccount.mechanicsbank.com/paymentcenter There is a yellow bar that has the previous payment schedule at the top of the screen. This should be removed and placed in a different location. I thought I had already made my auto loan payment because I clicked confirm and continue and saw the confirmation on top, however, I did not press submit because I thought the confirmation at the top was for the current payment. It's really confusing and made me miss a payment and messed up my checking account and relationship with my husband. Please fix this!
Consumer complaint received 2022-08-01
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sarma (TX)

SARMA Collections and XXXX XXXX XXXX. have never afforded me the proper notices of any kind. I have never been noticed or billed for the claimed debt. 
Furthermore, they both are claiming 4 charges to me as 4 individual accounts ( # XXXX for {$1600.00}, # XXXX for {$1500.00}, # XXXX for {$250.00} and # XXXX for {$370.00} ) all of which XXXX XXXX. XXXX. have since disclosed to me over the phone, as each being a drug, given during one XXXX. Said XXXX and hospital bills have been paid by insurance long ago. 
They waited from XX/XX/XXXX until XX/XX/XXXX to place these amount in Collections and post them on my Credit Reports. They have illegally posted their collection after 25 months without notice to me as per Texas Consumer Law. 
I never knew of said charges nor did I ever get notice of them before finding them on my three CRA reports in XX/XX/XXXX or so.
Consumer complaint received 2023-01-10
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. (NV)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-02-20
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. (FL)

this account XXXX XXXXXXXXXXXX XXXX XXXX account number XXXX is a fraud account I have provided Equifax with a ftc report and disputed multiple times this informations needs to be deleted and blocks on my equifax credit report ftc report number is XXXX has been provided
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX needs to be removed the case was dismissed. Further I asked the credit bureau their process of verification since the US courts do not report to credit bureaus they did not respond. This has been an ongoing problem with Transunion and they continue to unwilling removed the errounous information. This banruptcy is not in non of my other credit reports this is hindiring my credit scores and lifetime
Consumer complaint received 2022-08-01
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. (GA)

I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent inquiries from my file and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry XXXX XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-16
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. (SC)

Account Name : XXXX XXXX XXXX  Account Number : XXXX On the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I was marked as being late on my credit report even though I called and made arrangements and accommodations was made. My account is now current and was current prior to XX/XX/XXXX. According to the CARES ACT " If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the XXXX national emergency ends '' I have contacted the credit bureau as well as the creditor and nothing has been done which is against the law and my rights given to me by the CARES ACT. 

Equifax is currently violating my rights given to me according to the CARES ACT by showing late payments for the above dates.
Consumer complaint received 2020-06-08
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. (TN)

I have two wrong addresses reporting on my equifax which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. I disputed these 2 addresses 5 times and each time my dispute results comes back deleted however its still on my credit report.
Consumer complaint received 2022-08-09
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)

XXXX XXXX XXXX XXXX XXXX accounts were previously paid. Receipts attached. However, now way after they were paid Equifax has that the two accounts are late XXXX, XXXX & XX/XX/2022. These accounts are not late 120 days. These accounts were paid prior. Accounts XXXX. Please remove lates reports 120 days plus.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (GA)

I was contacted by phone by a scammer XX/XX/XXXX. I fell for the scam and provided my card information to them for the amount of {$1900.00}. After researching this merchant, I determined it was a scam and contacted my credit card company by mid XX/XX/XXXX. Initially they reversed the transaction but then since the merchant provided the information they applied it again. I called several times and was told that it was improperly filed as a fraud and could no longer be filed as a dispute. I have mailed emails and provided information this exact scam being on the XXXX. I have requested recording of the phone calls I have had because I am not the one who sent it to the fraud department. I have consistently been told to contact the merchant, a scammer does not care and wont refund the money although I have requested them to as well.