davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card collections accounts opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX, under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Please see attached documents. 

Thank you
Consumer complaint received 2019-04-19
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. (VA)

I sent in a request to dispute the bankruptcy that is currently under investigation. The say that they verified with XXXX XXXX that this bankruptcy is accurate. this is not possible for two reasons : 1 ) the bankruptcy courts dont share info with credit agencies, and 2 ) there is a freeze on my XXXX XXXX account, so they dont have access to any info on there. I would like them to furnish the written response from XXXX XXXX or remove this from my credit report as per section 609 of the FCRA
Consumer complaint received 2019-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NY)

I took out a used auto loan through XXXX XXXX XXXX with Westlake Financial Services in XX/XX/2019. I called the bank mid XX/XX/2019 to let them know that the vehicle was returned to the dealership because it was disabled and couldnt be driven. The bank was informed that I received my down payment deposit back from the dealership in the end of XX/XX/2019 and the dealership already started the buy back process with the bank. I called the bank multiple times to see why the account was still opened in my name, they wouldnt give me any information stating that its between them and the dealership. When I contacted the dealership I was informed of the dealership paying the loan back through Westlake flooring program that takes payments monthly until the loan is paid in full but what I want to know is why am I being penalized with an open loan in my name for a vehicle I no longer have that the dealership took over the payments to buy back. As per contract I do not have the vehicle, as it was never repossessed and when it was returned I didnt owe any money on it.
Consumer complaint received 2019-04-22
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. (TX)

I disputed a hard inquiry on my credit report with Equifax on XX/XX/19. I had a credit inquiry from XXXX XXXX, and I had not authorized ( explicitly, or implicitly through application for credit/service ) a credit pull by XXXX. Equifax responded on XX/XX/19 that the XXXX inquiry was perfectly valid, and offered me absolutely no additional information about the nature of the inquiry or why they had determined it to be valid. Later on XX/XX/19, I submitted a new complaint with Equifax that they clarify their findings and I initiated a XXXX year fraud alert. On XX/XX/19 I received a bill at my home address for a XXXX mobile account which I had never authorized. Equifax has yet to reply to me from my XX/XX/19 response, despite a promised turnaround of two days. Moreover, given the inquiry was indeed fraudulent, it is unacceptable that Equifax 's review procedures found nothing concerning in the inquiry and failed to provide me with any information regarding why the inquiry had been allowed.
Consumer complaint received 2024-10-27
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)

This afternoon, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, so seeing these errors come up out of nowhere was completely unexpected. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies were still there. Because of this, Im requesting that the documents Ive sent be reviewed thoroughly so I can finally have peace of mind.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

REMOVE THE HARD INQUIRY WHICH WAS DONE WITHOUT MY PERMISSION ON THE XXXX/XXXX/16 XXXX/XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2019-03-30
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. (MO)

These accounts ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 )  XXXX XXXX XXXX {$3.00}, ( 3 ) XXXX XXXX XXXX {$640.00}, all are reporting fraudulently on my credit report. I have absolutely no knowledge of these accounts nor have I authorized the use of my information to obtain these accounts. I have previously on numerous occasions disputed them but the 3 major credit bureaus response was account verified. Now I'm demanding the Method Of Verification inwhich was used to equate the accounts to me. What department investigated it, what was the employee name, and title, and what certified documentation was used to affiliate the accounts. Please provide me all relevant information or as stated within the FCRA laws, these accounts shall be blocked/ removed immediately from my credit report.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ID Analytics, Inc. (MS)

XXXX XXXX said my credit score was XXXX points lower than it really is and caused me to be denied auto financing. I've never even heard of this company and I definitely did not give my permission for my personal information to be given to them. Their reasons for such a low credit score were not true either. XXXX XXXX will definitely never get any business from me in the future and I will make sure to let everyone possible know about these two companies and what they have going on
Consumer complaint received 2019-04-21
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 2018
Consumer complaint received 2021-12-20
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. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XX/XX/XXXX under the account number ( private ), a personal credit card account opened at XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of therefore mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On the XXXX of XXXX i went into a Wells Fargo branch and reported my atm card lost/stolen i was then issued a new debit card. On Monday the XXXX of XXXX XXXX in unauthorized checks were deposited into my account. The card that was used was the same card reported lost on the XXXX of XXXX. Wells Fargo allowed them to withdraw funds from my account on a card that should have been closed. Now Im being given a hard time about getting my money back.
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

Loan depot spent almost 3 months on a refinancing application, first promised approval by XXXX XXXX Then kept asking me for various documents which I submitted They said your loan is already approved we just need to do the appraisal and then we close there is no problem They went out an appraiser who wasnt qualified to do an appraisal and did inadequate job. Loan depot asked me to pay appraiser XXXX $ and then denied my loan I spent the whole weekend in tears because I spent XXXX $ for nothing and they devalued my house and denied my loan and refuse to refund my money
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-19
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. (OR)

I've repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it remains unaddressed. This unauthorized information, linked to my name due to identity theft, has severely affected my life, causing considerable distress.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am writing to formally lodge a complaint regarding the ongoing inaccuracies in my credit report. Despite my previous correspondence addressing these issues, there has been no resolution or update to my credit information. 
I initially sent a letter detailing the incorrect information on my credit report, along with validation of my accounts, on XXXX XXXX. The issues I reported include accounts not belonging me, incorrect balances, name, address, foreign inquiries etc. These inaccuracies have been appearing consistently, affecting my credit score and my ability to secure credit. 
I have followed all necessary procedures to dispute these inaccuracies, including providing documentation to validate my claims. However, I have yet to see any corrections made to my credit report. This ongoing situation has caused me considerable distress and has hindered my financial well-being. 
I kindly request your assistance in ensuring that these discrepancies are addressed promptly. It is essential that my credit report reflects accurate and up-to-date information.Under - 15 USC 6801 : Protection of personal information from misuse & 15 USC 6802 : Obligations to disclose and receive consent before sharing any personal financial information. 
Thank you for your attention to this matter.
Consumer complaint received 2020-09-25
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)

My information was involved in the Equifax Breach and I found a lot of things on my account that was not accurate / I disputed the accounts and they were deleted from one of the credit bureaus only / I noticed that the information was still on my credit report and sent documentation to all 3 bureaus again and the other 2 remaining credit bureaus will not remove them from my credit report and me and my husband is attempting to purchase a home and we can not due to the errors on my credit report. I would like for these items to be removed so I can move forward with my home and life here are the accounts that was removed and are still on my Equifax and XXXX  report All of these accounts were deleted from my credit report and i mailed it in to all 3 bureaus and no resolutions for none of them they are still showing on my credit report until this day XX/XX/2020. All of this documentation was from my XXXX  account and it's showing as if I am not credit worthy at all. I also wanted to inform that it is my right for most of the companies to be removed because the information on the reports are not the correct information as far as my personal information and also when I first acknowledged the information on my report the amounts that they stated someone had charged or spent is even different from credit report so that's why I know the accounts were fraudulent and needs to be removed and my next step is to hire a attorney if this can not be resolved because it has went on to long with no resolution and me and my fianc is attempting to purchase a home.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I was incapacitated, in the hospital for 2 months and I have a late payment reporting to the credit bureaus for 30 days for month XX/XX/2024. I got out of the hospital and made my payment by paying the balance off in full. I contacted XXXX  XXXX and asked for a One Time Customer Courtesy to remove the late payment reporting, I have never been late with them. Also a late fee was waived. They denied my request and I asked to submit another request with a supervisor on XX/XX/2024 and the supervisor told me that XXXX requests had been denied and they could not ask for another request. I decided to close my account.
Consumer complaint received 2020-10-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (FL)

jefferson capital system pushed fraudulent documents through courts said they served me at home but I was XXXX  I have copies of fraud documents and you can confirm I was in XXXX  you can confirm at XXXX they claimed to serve me XX/XX/XXXX XXXX in XXXX   from XX/XX/XXXX to XX/XX/XXXX this is intentional fraud
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been in contact with Transunion , LLC since XXXX 2016, to notify them of fraudulent activity on my credit file. I have sent them copies of certified return receipt letters that were all signed for to several creditors, as proof. I have also allowed each creditor well over 120 days to provide me proof that these accounts and inquires that were in question by me were truly mine, however, the remaining ones that are on file are still there, after they have failed to provide me proof or even respond within the allowable 30 days, when I have allowed 120 days for a response!!!!. I have sent XXXX in the Specialty Priority Department at Transunion the police reports of where XXXX of my homes got broken into and my vehicle all on different days as she requested in XXXX of 2016. She informed me that she would then correct my file through other procedures that they had in place at Transunion after receiving the police reports from showing the break-ins. I have called Transunion repeatedly for two weeks now to check the status and they keep transferring to different departments saying that XXXX never uploaded the documents and that there is nothing they could do at this time. XXXX representative went as far as to tell me, that I sent them to the wrong fax number. I told the representataive that the fax number I had came straight from XXXX in the Specialty Priority Department and I verified the fax number she gave me several times to make sure it was correct. However, the representative XXXX XXXX said the correct fax number should be XXXX instead of XXXX. I asking for the Bureau of Consumer Financial Protection, to enforce Transunion to correct my credit file immediately, deleting the fraudulent accounts off of my credit file along with the inquires listed on my credit file, which I never gave authorization for as reported on my credit file. The accounts that are fraudulent are : XXXX XXXX needs to be removed and any collection account activity, XXXX needs to be removed and any collection account activity, all XXXX inquires needs to be removed as listed on my credit file.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to these measures to protect my credit. 
The accounts in question are as follows : XXXX. XXXX Account Number : XXXX Date Filed : XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XXXX Balance : {$560.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Additionally, I would like to address the following inquiries associated with my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX