davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I am writing to formally dispute the reporting of a fraudulent account under the name XXXXXX/XX/XXXXXXXX ) on my credit reports with Experian XXXX XXXX XXXX and XXXX XXXX This account was opened as a result of identity theft, without my knowledge or consent. I demand the immediate removal of this account from my credit reports and request a thorough investigation into this matter, as well as appropriate compensation for the damages caused. 

Issue Identified The XXXXXX/XX/XXXX account reporting on my credit reports is not mine. It was fraudulently opened due to identity theft. I did not authorize any transactions or communications with XXXXXX/XX/XXXX, nor did I receive any services or products associated with this account. 

Discrepancies in XXXX XXXX. Experian : Was 30 Days Late XXXX Time ( XXXX ). 
Was 60 Days Late XXXX Time ( XXXX ). 
Was 90 Days Late XXXX Time ( XXXX ). 
XXXX. XXXX and XXXX : Was 30 Days Late XXXX Time ( XXXX ). 
Was 60 Days Late XXXX Time ( XXXX ). 
Was 90 Days Late XXXX Time ( XXXX ). 

The inconsistencies in the reporting of late payments among the credit bureaus further highlight the inaccuracies and confusion caused by this fraudulent account. 

Violations and Impact The presence of this fraudulent account on my credit reports violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit profile. The inaccurate late payment history and fraudulent account negatively impact my credit score and overall financial standing, potentially leading to denials of credit and other financial services. 

Applicable Laws and Regulations XXXX. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : This provision allows consumers to request the blocking of information resulting from identity theft. I am exercising my right under this law to request the immediate removal of the fraudulent account from my credit reports. 
XXXX. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including accounts opened as a result of identity theft. 
XXXX. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this fraudulent account violates this requirement. 
XXXX. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or resulting from identity theft.
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America sent me a demand for information regarding a business an account that has been with the bank for 30 years. They are looking for organizing documents, articles of incorporation, etc. I said those were not easily available or may not exist anymore. I said i have filed annual report with the state of new jersey and federal tax returns. XXXX XXXX XXXX said those are not good enough and if i do not comply Bank of America that " We can freeze your account ''
Consumer complaint received 2022-05-20
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. (GA)

In accordance with the fair Credit reporting act the list of accounts below have violated my federally protected consumer rights To privacy and confidentiality Under 15 USC 1681 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

None of these companies had XXXXXXXX XXXX written consent to report 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Information excluded from consumer reports Except as authorized under subsection ( b ), 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 seven years. 

Accounts that need to be removed below Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an XXXX XXXX assisting me as a victim of human XXXXXXXX XXXX XXXX, which is categorised under XXXX  as per XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2018-07-23
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. (MA)

Federal Bureau of Investigation ( FBI ) vs. XXXX, XXXX, Experian On several occasions I submitted a complaint through the CFPB without any successful resolution. I now provide the FBI investigation against the findings of XXXX-XXXX and Experian. I have also submit an investigation by XXXX XXXX  to the FDIC. This complaint will have a different outcome hopefully should the three credit bureaus do not remove negative information provided by the XXXX XXXX XXXX XXXX ( XXXX ). I did not realize that through my Congressman the opportunity to place this in front of the Congressional Oversight Committee is available to me. This is also a direct challenge to XXXX, XXXX and Experian to ignore and dismiss an FBI investigation. This is a further challenge to the three credit bureaus to ignore and dismiss an investigation by the FDIC through XXXX XXXX. Additionally, there may be many consumers on XXXX XXXX that have similar experiences. Remove negative information from my credit profile now!
Consumer complaint received 2018-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

CRA VIOLATION / NO KNOWLEDGE OF INACCURATE LATE PAYMENT AND FRAUDULENT XXXX XXXX ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2018-07-23
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: TD BANK US HOLDING COMPANY (WI)

XXXXXXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. While no accounts were established the applications left fraudulent related inquiries on his credit reports. TD bank received one of these fraudulent applications XX/XX/XXXX and conducted an inquiry into his XXXX credit report. An official dispute of this was sent to TD Bank XX/XX/XXXX however as of this date TD bank has failed to send an update of the status of the investigation ; which is a violation of the FCRA.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I need some help, several times I have disputed with Equifax to remove some inaccurate information and update my current accounts, payments not being updated like XXXX and XXXX  and spot on, balances not being updated by Equifax. Equifax not only doesn't update they do not respond. Please help
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NJ)

Citibank started charging me a monthly service charge of {$30.00} on my checking account. without notice or justification. 

They said that they could return four months but not all seven months. They gave no reason why they couldn't return all of the funds. They also gave no reason why they didn't give me notice. I suspect that this is a routine business practice that is harming many checking account holders.
Consumer complaint received 2018-07-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (NJ)

I received a loan in the amount of {$670.00} on XX/XX/2018 from a company name XXXX XXXX also known as XXXX. I have paid back a total of {$580.00} as of XX/XX/XXXX which comes directly out of my bank account. When I reached out to the company on XX/XX/XXXX to inquire about my balance and the payoff amount they told me if I wanted to pay off the loan on that day it would cost me {$730.00} ( XX/XX/XXXX ). I asked why is the amount I owe double what I borrowed and I had been paying the loan off as agreed and they said it's a default loan re-payment plan and I asked them how can a loan that I am paying as agreed in default and I haven't missed a payment they said it's what was agreed to and I said that's not what I agreed too, I agreed to payoff the loan within 60 days. I asked them if this is legal to charge someone 789.4 % interest rate, they could not explain. I have another payment of {$210.00} coming out of my account on the XX/XX/XXXX and that will be a total of {$800.00}. All I'm asking is to be charged a legal interest rate on the {$670.00} I borrowed that will be paid off within the 60 days from the date that I borrowed on XX/XX/18. I should not be charged a default loan payment on a loan I have not defaulted in. the average legal rate for the state of new jersey is 16 % according to the Usury laws by state. The feasible loan interest and payback should not be {$5100.00} on a {$670.00} loan, this is outrageous and this company should be investigated Please see the lending disclosure. This is my first time taking out this kind of loan it was an emergency and I needed the money for some bills but I should not have to be in debt to a company for a loan that I was able to payback within a reasonable amount of time. I was not fully aware that this company was such a scam. Please help me!
Consumer complaint received 2018-01-16
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: Experian Information Solutions Inc. (SC)

The account was deleted and replaced back onto my account. I requested per FCRA on XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX an dXX/XX/XXXX for Experian to provide me with the actual documents they have on file to substantiate this charge-off. This account was initially deleted due to Identity theft by XXXX XXXX XXXX. I have requested that Experian once again permanently delete this account with a credit limit of {$600.00}.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I applied for a credit limit increase with my XXXX credit card online. XXXX declined the request with reason that my Equifax credit report has a bankruptcy reported. My bankruptcy was discharged well over ten years ago and should not be part of my credit report. Equifax says I have no bankruptcy on my report, but on their own website, it shows a bankruptcy under my account information that is hurting my score.
Consumer complaint received 2018-07-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: United Acceptance Inc. (MO)

I was contacted today from an agency that threatened to press criminal charges against me for an auto loan that was included in a bankruptcy that I filed in XX/XX/XXXX. The call came from XXXX, and when I called them back, the automatic answering system announced the company as XXXX XXXX XXXX. 

I purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX. They found me financing through United Acceptance. In XX/XX/XXXX, I allowed the car to get repossessed because it had too many problems for my to fix. XXXX XXXX had my current address at the time, and one of the neighbors told me that they saw a tow truck marked " not for hire '' tow it from my driveway. In XX/XX/XXXX, I filed a chapter XXXX bankruptcy, with XXXX. XXXX as the law firm. This debt was included in the bankruptcy and, while speaking with this law firm today, they assured me that this loan is included in that chapter XXXX. They recommended that I file a complaint with the appropriate government agency, which is this one. 

However, the company that called me today was insistent that this debt had dropped off the bankruptcy, and was now eligible for criminal proceedings. The man I talked to said that they were going to charge me with " intent to defraud a financial institution '' and one other charge that I couldn't quite get the gist of. He also mentioned felony theft. I called back a second time, after speaking with the chapter XXXX attorney, to speak with them again, and asked what specifically the charges were going to be, and they said that I would set that in the summons. This also sounded odd because, as I understand it, a summons won't be issued for a " felony theft '' crime. A warrant will be issued, and an officer will come to my house or work to take me to jail.
Consumer complaint received 2018-07-23
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. (NJ)

equifax is reporting a debt that is fraudulent. i contacted XXXX XXXX bank of which they said they have no record of my information. i want this negative item removed.
Consumer complaint received 2018-07-23
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. (IL)

My issue or concerns are with Equifax and XXXX I have disputed information from both credit bureaus. I have followed the correct protocol for filing a dispute. I have written letter and filed online corespondents. And ultimately my results are still the same. In my letters I have asked that they provide me with physical documentation with my signature according to the FAIR TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a account. Equifax has removed the bankruptcy chapter XXXX dismissed from my account serval times and then put it back after the 30 days investigation which makes my credit score plumbed. They are receiving this information from a third party call XXXX XXXX XXXX. Every time the bankruptcy is removed and put back on my credit reports it looks like a new trade line and makes my credit score plumbed. The other disputes I have with both Equifax and XXXX are with ( XXXX XXXX XXXX for {$740.00} AND XXXX XXXX XXXX  for XXXX both are showing up as charge off on my credit files. I HAVE NOT RECEIVED PHYSICAL VERIFICATIONS OF THE ORIGINAL SIGNED CONTRACTS FROM ANY OF MY DISPUTES. Therefore they should be permanently removed from both my XXXX and Equifax credit reports. I have been disputing this information since XX/XX/2017.
Consumer complaint received 2022-05-20
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. (CO)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXXXXXX Balance : {$430.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00}
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft, and the following accounts and inquiries were not authorized by me. 
Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2018-07-23
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. (NC)

My vehicle was paid off XX/XX/2013 and was reported incorrectly as a Charge-Off. I filed a dispute with Equifax twice with proof of title and payoff, and then contacted them by phone. They told me to contact XXXX XXXX and have them send proof to Equifax. I did as they told me, however it was not corrected. I contacted XXXX XXXX and they confirmed that the correct information had been sent out on two different occasions to Equifax. When I contacted Equifax again, they said all I could do was submit a consumer statement. Over the years this " Charge-Off '' has impacted my credit score and I have suffered a lower score than what it should be.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to formally request the blocking and deletion of certain accounts on my credit report that were compromised in a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent or unauthorized accounts resulting from identity theft removed from my credit report. 
The following accounts were not authorized by me and were added to my credit report as a result of identity theft : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$8200.00} XXXX. XXXX Bank Account XXXX : XXXX Date Opened : XXXX Balance : {$5200.00} XXXX. XXXX XXXX Bank XXXX Account Number : XXXX Date Opened : XXXX Balance : {$1800.00} XXXX. XXXX XXXX Bank XXXX Account XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00}
Consumer complaint received 2022-05-18
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. (CO)

found these inquires on my credit report i did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX