davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts 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 accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Balance : {$3600.00} ; XXXX XXXX XXXX XXXX .... Balance : {$4200.00} ; XXXX XXXX .... Balance : {$8200.00} ; XXXX XXXX XXXX  XXXX .... Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} 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 2024-10-31
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX, has 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
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never authorized any of these creditors to pull my credit report. I respectfully ask that all unauthorized inquiries be Deleted immediately from all three credit reporting bureaus upon investigating each unauthorized inquiry. 
XXXX Complete Department Stores XX/XX/XXXX XXXX XXXX General Clothing Store XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion XXXX/XXXX  XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2022-06-30
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. (TX)

I do not believe that this company did a reasonable investigation for the account of possible financial # XXXX I asked for documents barring my signature to prove that this account is supposedly mine. Transunion was not able to do so. In the last complaint I asked for a removal of this account and specifically asked for this account not be updated but deleted from my file and this company did not grant my request. 
I want to know if this company talked to someone at possible finance to verify this account What supporting documents did they use Did you even contact this company ( possible financial ) PLEASE PROVIDE ME WITH DOCUMENTATION THAT INCLUDED A SIGNATURE OF MINE ( failure to do so should result in deletion of this account )
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-11-19
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)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NBT BANCORP INC. (NY)

I was a XXXX  independent consultant who purchased jewelry and accessories from XXXX  XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. This company advertised the jewelry as lead and nickel free. I have asked them to provide me with their test results proving that the jewelry is lead and nickel free and they have refused. I asked them to refund my money and they have refused. The jewelry has since been tested by a 3rd party accredited lab and it shows very high levels of lead and nickel which is not compliant with California Prop 65 guidelines.
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (MA)

Affirm credit showed up on my credit reports for 8 or more items that I was never contacted about in writing, which is a requirement of Massachusetts laws. When I tried to contact them, they would not give me any information and just told me to pay. Now the keep calling me and demanding payment after I told them to write to me the debt claimed and provided proof that it's mine. The have violated the Fair and accurate reporting act. the fair debt collection act, and numerous laws within the XXXXXXXX XXXX Massachusetts to include XXXX XXXXXXXX for Unfair Deceptive acts and practices.
Consumer complaint received 2022-11-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2023-03-10
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. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-15
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: AES/PHEAA (NC)

On two occasions, XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX, my student loan provider, Fed Loan Servicing, has reported the two separate accounts that I had with them as 120 days late. I had a forbearance in both instances as I was in graduate school. 

I have disputed the account reported with my now-former loan service providers and the three major credit bureaus on multiple occasions to no avail. These attempts have been since XX/XX/XXXX.
Consumer complaint received 2024-10-31
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)

On XX/XX/year> I noticed information on my cosumer report that is inaccurate and incomplete. During my investigationI realized that my consumer report still has the same inacurate information that I have disputed several months ago and is still being reported on a monthly basis. I was never notifiled by the consumer reporting agencies that are assembling and evaluating my consumer credit and other information about I. According to the Fair Credit Reporting Act consumer reporting agencies are obligated to exercise their grave responsibilities with fairness impartiality, and a respect for the cosumer 's right to privacy. My right to privacy have been infringed upon by the consumer reporting agencies when they assumed a vital role in assembling and evaluating consumer credit. They were not given express permission by I the consumer or a competent court of jurisdiction to issue an order stating that the consumer reporting agencies are obligated to report such information. According to 15 U.S.Code 1681c ( a ) ( 4 ) ( 5 ) No consumer reporting agency may make any consumer report containing accounts placed for collections or charge to profit and loss or any adverse item of information. The FCRA states that a consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that the information that is being obtained is through a personal interview with a neighbor, friend or associate of the consumer or with another person with whom the consumer is aquaineted or who has knowledge of such item of information. They were to exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. The consumer reporting agencies failed to provide I with proper service and failed the initial invesigation of the information as they assumed this the was valid in which is a vilolation on my consumer rights. They did not exercise their grave responsibilities, they failed to provide proper service, they failed to conduct a proper investigation to insure accuracy and fainess to I the consumer. Because of this information it has caused severe harm to my reputation and creditwothiness. I trust that the Consumer reporting agencies adhere to its obligations as outlined in the FCRA and properly address this matter with fairness and accuracy. I'm requesting accurate disclosures of the nature and scope of the consumer invesigation report. provide a detailed description of the invesigation, the actions that were taken by your organization. Also provide documentation of my written consent to furnish information on my consumer repor. Accounts are as followed : 1. XXXX BANK, 2. XXXX XXXX XXXX XXXX, 3. XXXX XXXX XXXX XXXX XXXX, 4.XXXX XXXX,
Consumer complaint received 2023-03-10
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. (NY)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-14
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-31
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. (CA)

I am writing to formally dispute inaccurate information on my credit report concerning a late payment. Under the Fair Credit Billing Act ( 15 USC 1666b ), I have the right to challenge inaccuracies that may impact my creditworthiness. 

The report indicates that I had a late payment in XX/XX/year>, which is incorrect. I have consistently made timely payments, and I believe this entry may be a clerical error or a misunderstanding. 

I kindly request that you investigate this matter promptly and correct the information on my credit report. This inaccurate reporting is hindering my ability to secure a home loan, so I appreciate your urgent attention to this issue. 

Please confirm receipt of this letter and keep me updated on the progress of your investigation. Thank you for your attention to this important matter ; I look forward to a swift resolution.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I noticed late payments. Despite sending letters over 30 days ago, I have not received a response, and I have not received satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-10-31
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.