davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

Login into my credit report, with the intentions of reviewing. I need to finance a place to live. Noticed that the accounts are reporting in a suspicious and confusing way. 

XXXX ) XXXX XX/XX/XXXX Oddly reporting {$0.00} balance then Paid. Sent letter-No response. 

XXXX ) XXXX- XXXX amount questionable. Never received a response to discuss. 

XXXX ) XXXX- seems to be a duplicate account. reporting the same questionable amount as XXXX. No recollection of ever doing business with them. 
XXXX ) XXXX XXXX had look them up to find out information. Amounts they claim i own don't make any sense. Credit limit is both XXXX and claim XXXX owed also. 

XXXX ) XXXX XXXX has never been a consumer friendly bank. XXXX has run out and they were paid in full, still they report to destroy my credit. I need this removed quickly. Note : XXXX  XXXX is reporting a duplicate account they claim was opened XXXX. Still XXXX is in play. need both removed. 

XXXX ) XXXX- another account never opened, amounts are XXXX because there was never an amount. this is reporting In Active Account/Closed due to inactivity just as i stated never open by me.
Consumer complaint received 2024-10-24
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

in accordance with the Fair Credi Reporting act XXXX  AccounT # XXXX, has violates 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 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 proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

THIS FRAUD ACCOUNT WAS REMOVED OFF MY OTHER CREDIT REPORTS AND EQUIFAX ALLOWED THE FAKE CREDITOR TO APPLY IT TO MY EQUIFAX REPORT AFTER IT WAS FOUND TO BE FRAUD, I HAVE ATTACHED PROOF Hi, my name is XXXX XXXX, and my DOB is XX/XX/scrub>XX/XX/XXXXAddress XXXX XXXX XXXX XXXX Il XXXX Employment : XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CONCERNING : XXXX XXXX XXXX {$880.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed. I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

**Update to previously submitted report, I mistakenly put the wrong company. I meant to complain about the CREDIT REPORTING AGENCY & the place where there is a Fraud that took place. *** I recently started to check my Credit reports after a long while of not doing it. I discovered that there was an account on my Credit Report that isn't mine. I think I may have been a victim of false identity and decided to file an ID Theft Report. This is the 2nd time I have filed an ID Theft Report which has went no where and there is no number listed to call them. The Company name where the false account is XXXX XXXX and the amount is for {$21000.00} which was opened up back in 2021. I have reached out to all XXXX credit Bureaus to no avail.
Consumer complaint received 2024-10-24
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. (PA)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX I sent a wire for XXXX XXXX from my Wells Fargo bank in Georgia ref. numberXXXX to an agent who worked for XXXX XXXX XXXX who were sending a consignment ( to one XXXX XXXX ) from out of the country. The agents name was foreign sounding XXXX XXXX and I knew nothing about him except that I was to go through him for XXXX XXXX to get his consignment so XXXX XXXX could pay me back the previous loans he had gotten from me. The day the wire was sent it was confiscated by US Treasury Dept. specially the OFAC ( a terrorist division ). They have held the money since then. They demanded to know XXXX XXXX 's passport, id, etc on this man I was told worked for XXXX. I could tell them nothing. I have been making huge payments per mo. on this loan account numberXXXX of {$720.00}. and still owe over $ 30k. My bank told me I would get the money back with interest but it has not happened. They tell me they can not help me any further. I have written 6 letters and made calls to the XXXX but they do not respond. I need my money back so I can pay off this loan. Also XXXX XXXX has disappeared into the ether and I realize he has been using me in all this via a romance scam on the internet. 

I am a retired XXXX yr. old woman with a small pension and can not afford a lawyer. I need someone to intervene for me. Please please help me. My cell is XXXX and my address is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I have filed a sherriff report with my county. about XXXX XXXX.
Consumer complaint received 2024-10-24
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. (GA)

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Auto Loan Account Number : XXXX Balance : {$0.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 

INQUIRIES XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have previously disputed XXXX XXXX XXXX - XXXX Case Number : XXXX, regarding bankruptcy dated XX/XX/year>, with all credit reporting agencies. In response, they verified the information as accurate, claiming they had confirmed the details with the courts. 
After reaching out to the courts directly, I received a response that is attached here. It clearly shows that the courts do not report to any credit reporting agencies. This indicates that the previous verification with the courts was either an error or potentially fraudulent.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgments ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. Regardless, the reporting of this information fails to meet the requirements of FCRA Section 611 ( 15 U.S.C. 1681 ), and as such, the bankruptcy entry mu
st be deleted from my credit file immediately. Additionally, under FCRA 15 U.S.C. 1681b, any entity reporting or accessing my credit information must have a valid permissible purpose. I have not authorized any such permissible purpose for the continued reporting of this bankruptcy. As no lawful reason exists for this information to remain on my report, I demand its immediate removal.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

Im seeing errors on my credit report under 15 USC 1681c-2, with hard inquiries I didnt authorize. Kindly remove all unauthorized inquiries as soon as possible. Thanks!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Recently, I looked in a copy of my credit report and I noticed several of inaccuracies in this account. This account is hurting my ability of obtain credit. It is my understanding that you guys will investigate these terms for to ensure accuracy. 
Her is the item that I'm asking you to verify as accurate. 
XXXX XXXX XXXX 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 2019-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (FL)

Hello Waypoint Resource Group has filed 2 Derogatory marks on my credit. I've attempted to call on 5 separate occasions. The do not answer calls. I've contacted XXXX and XXXX about the mark filed and they've been less than helpful at removing the marks Opened XX/XX/2018. 

Today I just saw they filed another mark. XXXX XX/XX/2018 The say it is for XXXX XXXX   which i assume is cable. I've had XXXX  for 5 years and do not have XXXX cable. 
I've also never received a bill, notification, or even an attempt to collect debt. 

This has caused personal damage to my credit and bank standings. Please HELP XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Disputing errors on credit report Dear XXXX XXXX XXXXXXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : The report shows the above customer currently owes {$37.00} to your company. Be advised this account was resolved with full payment and closed at its initial date of delinquency, reflecting that the account was closed before said date. The card was deactivated once the account was paid in full and closed by me, the account holder, and XXXX XXXX XXXX. Please urgently remove this from my account. Thank you in advance.

Dispute Legal I request immediate action to remove this information under 18 U.S. Code 35, imparting or conveying false information against a person or entity. Please remove this as soon as possible. Thank you again.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX and XXXX XXXX XXXX were my XXXX XXXX XXXX technician contractors. They opened and used numerous accounts without my authorization. I notified the creditors. I was told to provide information that I don '' t have and I was also told because it is over 60 days that I am responsible. I provided copies of the police reports. Instead, they kept selling them to different buyers. I need your help. I requested them for the original contract with my signature, the complete information of the original creditor, the payments history and itemized bills, and proof of ownership. Proof that it was permanently deleted out of all credit bureaus.