davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX
Consumer complaint received 2024-10-21
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately 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 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Consumer complaint received 2024-10-21
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. (MS)

I am writing to formally file a complaint against XXXX, Equifax, XXXX, and a Debt Collector for multiple violations of the Fair Credit Reporting Act ( FCRA ) and state laws regarding debt collection in Mississippi. 


Violation of Mississippi Statute of Limitations on Debt Collection : Under Mississippi state law, the statute of limitations on debt collection is three years. The credit reporting agencies and the debt collector have violated this statute by continuing to report and collect on accounts that are past the legal statute of limitations. These accounts should have been removed from my credit report and should not have been pursued for collection beyond the three-year limit. 


Identity Theft and Data Breach Impact : I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number. This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 

Failure to Block and Remove Information : Despite my multiple attempts to notify XXXX, Equifax, and XXXX about this identity theft and data breach, they have failed to block and remove the inaccurate and unauthorized information from my credit report and failed to remove past the legal statute of limitations debt. Under FCRA 15 U.S.C. 1681c-2, I have the right to request that fraudulent information be removed from my credit report when I provide proper documentation, such as an FTC Identity Theft Report.
Consumer complaint received 2024-10-21
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. (IN)

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 2017-08-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LEXINGTON LAW FIRM (GA)

I was exploring about purchasing a house and I called a person I knew at XXXX XXXX XXXX XXXX to inquire what I needed to get the process started and I was assured they would pull a soft inquiry and now it seems they pulled a hard inquiry using XXXX XXXX ( XXXX XXXX XXXX ) who on their website pride themselves are bring mortgage companies more closing. I have sent dispute letters on several occasions to XXXX with no success. 
XXXX XXXX XXXX from XXXX XXXX, 2016 XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Thank you for any help you can provide.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX to XX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.
Consumer complaint received 2024-10-21
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. (IL)

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 611 ( 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 Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-20
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. (FL)

Where do i even begin, so theres an account that Equifax is currently reporting on my credit. This account was removed and illegally reinserted. Eventhough, i have told Equifax, and their representatives its not my account. I have provided documents, which there company stated they never recieved. I tried to login online to provide documents such as police report and affidavit.However, your website is broken, and i cant login. So once again im asking for a block on this account currently on my credit. 

account XXXX XXXX {$25.00} XXXX # XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (LA)

Subject : Dispute of Collection Account Reporting- Reference to Fair Debt Practices Act ( FDCPA ), Title 15, Section 1692 et seq. 

Dear : Eastern Account Systems IN I am writing the reporting of a collection account on my credit report, as furnished by your agency. I believe that the reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), Specifically under title 15, Section 1692 et. seq., of the U.S. Code, which governs the practice of third- party debt collectors.

Upon reviewing my credit report obtained from your agency, it indicates the presence of a collection account with following details : { Eastern Account Systems IN, and the amount owed. } In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that an original contract exists from the original creditor with a wet Signature from me, and a pictured ID in color creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. ( THE ORIGINAL PURCHASE AGREEMENT ) 4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.Please be aware that I expect a timely response in 30 days, as mandated by FDCPA. Failure to comply with this request may result in the initiation of legal action to protect my rights under the law. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors- see second page I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-02
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: Experian Information Solutions Inc. (VA)

I submitted a dispute for this account previously and received a response from the credit reporting agency indicating that the account would not be removed because it was verified. I am concerned about the accuracy of this verification process, as the account information is clearly inaccurate. Therefore, I am now formally requesting details regarding the method of investigation conducted, as outlined in 15 USC 1681i. Please note that I am submitting this request through the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with all applicable laws and policies. Given the circumstances, I am requesting a detailed explanation of the method of investigation conducted by the credit reporting agencies, as outlined in 15 USC 1681i. It is crucial to me that the reinvestigation process is thorough and comprehensive, considering my concerns about the accuracy of the initial verification.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (FL)

I received an email XX/XX/XXXX saying something for a loan was being processed for " XXXX XXXX ''. I assumed it was a scam/spam email, since I have never used affirm before, so I ignored it. XX/XX/XXXX I got an email saying I was approved for a {$1400.00} loan for XXXX XXXX Again I ignored it. I then received emails on XX/XX/XXXX and XX/XX/XXXX with links to Affirm with information about " my loan ''. I did not click the links. On XXXX i got an email with confirmation for a total loan on {$1600.00} being accepted for XXXX XXXX I got an email on XX/XX/XXXX saying payment for {$140.00} was due in 3 days. On XX/XX/XXXX I tried to reach out to XXXX XXXX with nobody answering my phone call. I also called Affirm and was told over the phone, the loan was my responsibility and that I could fill out an affidavit. I filled out the affidavit and sent it with no response. I email them again and was told that the loan was my responsibility. I tried multiple times to dispute this with them and they denied it. It has since gone to my collections. I do still have all of these emails.
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. ()

Put money into blockchain.com on XXXX XX/XX/year> $ XXXX equivalent to $ XXXX. 

They have never allowed me to redraw or transfer the money out. 

I've repeatedly sent identification and gone through there verification processes time and again. 

This company and it's ongoing illegal behaviours must be stopped. 

Please help me in getting my money refunded. 

XXXX regards XXXX XXXX XXXX
Consumer complaint received 2024-10-20
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-20
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. (OH)

I recently disputed XXXX account # XXXX with Equifax. according to Equifax the account come back updated. Im not sure what was updated because this account is still reporting inaccurate This account is reporting as a charge off account but there are no late payments being reporting at all of the payments are reporting on time there also is missing data. Its my understanding that all accounts are to be reported complete and accurate. This is clearly a violation FCRA. I would like for Equifax to send me what they used to verify this account within the next 30 days if they cant provide me with this information I would like for this account to be deleted I will attach a copy of my ID and a copy of my credit report the letter I got from Equifax stated the account was updated the last four of my social XXXX
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the presence of several accounts on my credit report that I do not recognize and have no knowledge of. The accounts in question are listed under the following names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have thoroughly reviewed my credit report and can confirm that I have no recollection or record of opening or being associated with these accounts. Additionally, I have not received any prior communication, billing statements, or notifications from these entities that would indicate I owe any debt or have any financial obligation to them. 

Given that these accounts appear to be erroneous or potentially fraudulent, I am requesting an immediate investigation into their legitimacy. If these accounts are found to be reported in error or associated with identity theft, I kindly ask that they be removed from my credit report without delay. 

Please keep me informed of the progress and outcome of your investigation. I would appreciate it if you could provide me with any documentation or information you may have regarding these accounts to help resolve this issue as quickly as possible. 

Thank you for your prompt attention to this matter.