davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
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. (NC)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX XXXX XXXX  {$540.00} XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
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. (VA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to formally lodge a complaint concerning several inaccuracies on my credit report, which include multiple attempts to add inaccurate addresses, collections accounts, and inquiries, some of which are suspected to be fraudulent. These inaccuracies are adversely affecting my creditworthiness and financial well-being. I request your prompt assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies requiring your immediate attention for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items without delay. 
Notify me of the results of your investigation within the legally mandated 30-day period. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Non-compliance with the FCRA can lead to legal consequences, and I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law.
Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: EA Holdings Corp. (IL)

XXXX years git an auto loan for a vehicle that had high mileage and agreed to a steady loan rate Give XXXX monthly or more depending on what they conceder late or due payment which is nit even every XXXX weeks Spoke to someone about getting paid Friday not Monday so they call Monday asking for a payment and mark payment late when I already spoke to a Manger about payment arrangements
Consumer complaint received 2023-09-14
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-05-17
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I have recently obtained a copy of my credit file with your Equifax and I note that there is negative information being reported by XXXX XXXX XXXX XXXX XXXX, XXXX, Upon reviewing my credit report, I see an account listed as charged off and missed payments. 

I challenge the accuracy, compliance, and reportability of this listing. 

Please validate this information with ( name of creditor, collection agency, or court ) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to e-Oscar or any other means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking {$1000.00} per violation for 1 ) defamation, 2 ) negligent enablement of Identity Fraud, and 3 ) violations of the Fair Credit Reporting Act.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-09-14
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)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (KS)

I bank with Wells Fargo, I am a 100 % service-connected XXXX Veteran and I have encountered so many problems with this banking institution. On XX/XX/2020 @ approximately XXXX XXXX, I contacted WF bank to confirm verify my checking account routing/account information for the Stimulus Economic Impact Payment. I told the representative why I needed to verify and I was given incorrect information twice, not once but twice and then told by the representative, " Good luck with that '', in a recorded conversation, as if they knew it was the wrong information given to me. 

When I called the bank to rectify the situation and requested that someone contact the ACH delivery department/Exceptions dept re-route my incorrect routing/account number to the correct routing/account number, by the way, WF bank publicly advertises to be the originator largest in America ACH over XXXX XXXX transactions ... .., I am told that nothing can be done. 

I am on a fixed income and during this coronavirus pandemic I am having difficult times financially due to crisis everything XXXX down etc. 

My finance problems are now compounded due to unprecedented unprofessionalism by Wells Fargo and in my opinion, just blatant disregard or care for me as a customer or being XXXX. I have never encountered anything remotely close to the disrespectful, unprofessional and unethical demeanor/behavior towards me as a customer/consumer from any other institution ever. The lack of professionalism is repulsive unethical. As a XXXX person having difficulty navigating through these obstacles ACH and during covid19 crisis, the representatives for the most part are neither caring, nor seem to care none whatsoever in how they speak too or relay banking information in a professional proper manner. 

As a result of the carelessness and recklessness disregard of Wells Fargo, I am now going to have to wait weeks maybe months to recieve a stimulus Impact Payment I could have recieved on XX/XX/2020 but now because of intentional wrong routing/account information given to me now I have only {$8.00} in one acount and {$18.00} in another account while Wells Fargo Bank could careless and talks down to me like I am a peasant. 

Please help
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (CA)

On XX/XX/20, I had internet service with XXXX XXXX installed. The original bill was XXXX. From the start, the service never worked as expected, and on XX/XX/20, the internet completely with out. XXXX was to send a technician out to repair the internet on XX/XX/20, but the tech never came. The next day on XX/XX/20, they claimed a tech was not there, but that was a lie. After that, I had enough and cancelled the service on that same-day XX/XX/20. 

My service was only functioning at some capacity ( always poorly functioning ) for only 9-days. On XX/XX/20, I took my complaints to the XXXX. I requested that XXXX XXXX clear my bill, as they sold me defective service and was dishonest as to when or even if, they would repair it. On XX/XX/20, XXXX XXXX sent me their finals response, they said they would credit me for the days the internet was down completely. However, 4-days later on XX/XX/20, I was called by a debt collector, on their behalf ; saying my account was in collections, that I had an outstanding balance of {$110.00}, and that it could affect my credit score. 

During the entire time I had XXXX XXXX, I never had access to my account. After cancellation, I never received a bill. But out of the clue, on the very same day that they declared bankruptcy, they're telling me I have debt in collections. 

I only had their service for 16-days, it never worked correctly, and the internet was completed off for 6 of those 16-days. The original bill was {$120.00}, the monthly bill was {$39.00}, and the rest was for installation, taxes, and equipment.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$5600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$850.00}
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I APPLIED FOR SEVERAL APARTMENTS AND WAS DENIED SEVERAL TIMES DUE TO THE INCORRECT OUTDATED INFORMATION IS BEING REPORTED BY TRANSUNION. 

I CONTACTED TRANSUNION AND INQUIRED ABOUT THE INCORRECT OLD INFORMATION THAT IS BEING REPORTED TO CREDITORS AND CAUSING ME TO BE DENIED. 

TRANSUNION RECOMMENDED TO THAT PROPERTIES THAT I BE DENIED FOR SEVERAL APARTMENTS. I HAVE PROVIDED THE LETTER FROM TRANSUNION PROVIDED TO SEVERAL PROPERTIES. 

MY CREDIT PROFILE HASN'T BEEN UPDATED AND TRANSUNION IS REPORTING IN CORRECT CREDIT INFORMATION AND MY SCORE IS ABOUT 80 POINTS LOWER THAN XXXX. MY SCHOOL LOAN WAS FORGIVEN AND XXXX  UPDATED RIGHT AWAY, BUT TRANSUNION HAS NOT REMOVED.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been trying for the last 3-4 years to open a bank account with the large bank entities in the United States but with no good end result. XXXX XXXX, XXXX, Bank of America. I have even tried the lesser accounts that XXXX XXXX offers for those with bad credit history but still not an option. I am working on getting my credit score back up to normal and with a legit bank account it would definitely help but every bank is telling me no. I would like an in depth look into why that is and for it to be resolved. I have been up to date on most of my payments and dont owe anything to any banks.
Consumer complaint received 2024-10-29
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)

To Whom It May Concern, I have done some research and found that in accordance with the Fair Credit Reporting Act Convergent, Account XXXX XXXX XXXX has violated my rights. 
15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B.. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose. 
I am demanding this account be updated to paid as agreed and never late. 
Account Information : Creditors Name : XXXX Account XXXX : XXXX Date of Late Payment : XX/XX/year> I await your reply with the above request. I will correspond back with you by certified mail. 
Sincerly, Attached : Copy of ID and proof of residency ( I am not a third party. I wrote this letter myself ).
Consumer complaint received 2020-04-20
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: ID Analytics, Inc. (CT)

inquiry on my credit that causing and issue. It wasn't verify it was me. the XXXX  inquiry on XX/XX/2020 and XX/XX/2020 or not verify it me. well I have and account with XXXX and the inquiry on XX/XX/2020 is mine and it was verify. 
the XXXX  and XXXX  inquiry is not mine. please remove
Consumer complaint received 2020-04-21
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. (TX)

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  has removed this line item from my credit report. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2023-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NV)

Jefferson Capital has listed a collection account on my consumer reports and damaging my credit / credit score. I have never done business with this company. Company claims that I owe them money in the amount of {$450.00}. Jefferson Capital sent sent me the attached offering payment options of charges owed to another company. Jefferson Capital has not provided any contract or assignment to which they are a party to. I have disputed with the company. They have damaged my consumer reports, by reporting this inaccurate, false information. I have submitted a report to identity theft.gov with these facts and attached herein.
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. (FL)

Hi my name is XXXX XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (VA)

On XX/XX/XXXX a collection account, with a balance of {$4300.00}, was reported to the credit bureaus by Jefferson Capital Systems. The agency states that the account was opened on XXXX XX/XX/XXXX. Prior to XXXX of this year this company was not listed on my credit report and the XXXX date greatly diminished my rights to dispute this debt. I disputed the debt through XXXX  on XXXX XXXX and the bureau found that the debt does not go against FCRA although I have never received any documentation and the company is reporting the account as being opened on XXXX XX/XX/XXXX. Since XXXX XXXX I have received 135 robo-calls from this company, no voicemail was ever left and if you call the number back it's a recording. I have never consented to robo-calls and they have been non-stop. I have attached a copy of my credit report from XX/XX/XXXX showing that the account was not present previously as well as screenshots as well as screenshots of the call.
Consumer complaint received 2020-04-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION (CA)

The loan is 26.60 % interest rate. The minimum payment is {$1300.00} each month. The principal amount is XXXX but The total amount to be paid is {$84000.00} on a 2015 XXXX XXXX. 

The loan is from One Main Financial We will be unable to make those monthly payments because our income has changed.