davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

Equifax have my wrong date of birth. They are seemingly refusing to change it, in an act of gross laziness. I have twice faxed in my state ID to correct it. Each time I was assured it would be corrected within 48 hours. It was not, either time. I have contacted the XXXX  social media team, called 5 times, and faxed in my state ID twice.

To give an example of how frustrating it is to call, today I called once, and was told everything was down and they couldn't check anything, call back later. Then I called again later today and this time I was told it would take up to 30 days to correct. That's absolutely unacceptable. This error is making it difficult to apply for certain bank accounts and cards online. I was unable to open an XXXX account with a {$350.00} bonus because XXXX checked with Equifax and was unable to verify me due to Equifax 's incorrect information.

XXXX and XXXX   have the right DoB I believe.
Consumer complaint received 2023-08-16
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-16
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-04-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-04-17
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX i contacted Experian via the consumer finance protection bureau complaint number XXXX it was regarding a fraudulent account that was being reported by XXXX   XXXX. i provided a identity theft report that show the account being fraud and amount with dates. Experian replied to me via the CFPB informing me that they provided this information to the the data furnisher 'XXXX  XXXX ' and the data furnisher agreed to have it deleted. 

On XX/XX/XXXX that same account reappeared on my Experian report. This time showing as derogatory and tanking my XXXX score by 38 points. 

I strongly believe they are both taking advantage of the current crisis " Covid 19 pandemic '' to make a quick buck.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NV)

I owed XXXX a cell phone bill for {$540.00}. I paid the collection agency Enhanced Recovery Co LLC in XXXX FL. I paid the debt in full before the due dates for payment. I was told that with in 30 days they will update as paid in full to the credit reporting agencies. As of the date of this complaint they have yet again verified the debt and are not showing it as paid in full. After I yet again disputed the debt on XX/XX/2019. This debt has been paid in full since XXXX XXXX a full 90 days from the time I paid and they are still validating the debt. I called and asked them to stop validating as it goes against debt collection practices. They only want to argue and refused to remedy the problems. I can submit bank records to prove the debt was indeed paid. As you see on both bank statements ERC from Florida is the collection agency I paid off.
Consumer complaint received 2019-08-09
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)

I had a credit card with XXXX XXXX. No issues from them or myself from XX/XX/XXXX to XX/XX/XXXX. I authorized a payment. That payment was taken 2 times instead of 1. I contacted their customer service 3 times without success. They out source. The answers l was getting were not making any sense. So l called my bank explain the situation. They confirmed should not happen. They took my payment back. I went about doing what l have done in the past. Come time to make a payment. I had no access to the app or online. I called customer service they said l need to send a letter to my bank not holding them at fault. I said why? you were at fault. They said I have no access unless i provide the letter. I said ok.. I close the account. I made account payments that same conversation. I did what l normally do. Went about a month and just before payment time. I get a notice my account was a charge off for not making payments. I called customer service and they said my account is turned over to collections. I said what??? They had bogus reasons, all not true. I asked to be moved to that Dept. I went over my payments and they were confirmed by them its in their records. So i asked why the Charge off. They said i need to contact fraud Dept. I have left 5 messages never a call back. Or a pdf copy of my account requested since no longer having online access. I called my credit reporter Experian disputed and was given a response all accurate. I went back to my credit report and saw many changes they did to fraudulently provide misleading history. They lied, they have gone in to falsify documents and state inaccurate info about. They are lying, they have been fraudulent, They have produced slanderous statements. They were using extortion to bully me. I need help. They are bullying me and destroying my credit. With lies and slander. I am providing My bank history with balances and confirmation of payments made on time. I am have pictures of credit reporting before and after they falsely adjusted to mislead. If I need to go federal authorities I surely will. The only negative I have in my XXXX years was my son was hurt in a MVA. I had to provide care and pay his hospital bills. I thought about bankruptcy. But decided against it and dismissed without going before the court. I have all bills as shown in credit report on time every time for my XXXX years.
Consumer complaint received 2019-02-21
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: Experian Information Solutions Inc. (ID)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-02-21
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. (NY)

I submitted a request to have fraud accounts removed from my credit reports. From all three credit reporting agencies and submitted a police report and filed a complaint with FTC, CFPB, and XXXX XXXX XXXX. XXXX and XXXX have cleared my reports. But Equifax has not removed a fraud address and 8 fraud accounts appearing on my Equifax report.
Consumer complaint received 2018-10-01
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. (SC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2019-02-20
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. (GA)

XXXX XXXX account is a secured deposit credit card account opened XX/XX/2015. I sent XXXX a {$500.00} security deposit and never received the card. I did not activate or make any charges on this account. The account was auto charged and began reporting to all 3 bureaus without my knowledge and without my capability to make payments or obtain any information about this situation. The contact information for this company was inadequate on their website. I was charged {$500.00} and never received any services in exchange, adding the negative reports on my credit adds insult to injury.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

Chase credit card account closed in XXXX with balance of $ XXXX.I had autopay but, was charged a late fee almost every month. For over twelve years after the account was closed I was paying on the account including over draft fees and late fees. I stopped the autopay in XXXX  XXXX.Why am I being charged late fees and overdraft fees on a closed account. Were these fees supposed to stop after the account had been closed for seven years?
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified.

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

812. Furnishing certain deceptive forms [ 15 USC 1692j ] ( a ) It is unlawful to design, I HAVE ALREADY SENT YOU MY POLICE REPORT AND AFFIDAVIT. 

GIVING ME THE RUNAROUND WILL NOT WORK!! THIS WILL BE MY SECOND REQUEST FOR YOU TO SEND ME VALIDATION NOT VERIFICATION OF YOU PLUGGING NUMBERS WITH SOMEONE THAT STOLE MY IDENTITY.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

This complaint is about Equifax. I had placed a freeze in my credit with all three credit bureaus. I am in the process of refinancing my mortgage so I tried to lift the freeze temporarily. I manage to do it with the other credit bureaus but have been unable to do so with Equifax. When I tried to sign in I was told my user name or password was wrong. I clicked on the link to reset the password which should result in getting an e-mail but nothing happened. I tried at least 15 times. I decided to call. After answering all the questions from the automated system, which took a while, I finally was passed through to a customer service where I waited for a long time for someone to answer. When the person answered she told me the system was UNAVAILABLE and to try in a few hours. I waited 5 hours and tried again with no results trying to get the e-mail link, then called, went through the automated questions and after all that got a recording saying customer service center is closed for today. This credit bureau should be disqualified. It is inept. These companies play a crucial role in every aspect of our life and for them to fail to provide proper service there should be consequences to them. Maybe we should have only 2 credit Bureaus.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (WA)

I have not been receiving statements from this company, which caused a late payment. Multiple phone calls have been made to the company and they assured that they would remove the late fees and reverse the late payment on credit report. They have yet to do so and keep reporting it as correct even though it is wrong.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

Noticed unusual fraudulent charges on account. reported to bank and cancelled card, filed police report and requested investigation for the dates and amounts as listed below totaling XXXX. 

XXXX/XXXX/19 {$880.00} XXXX/XXXX/19 {$930.00} XXXX/XXXX/19 {$890.00} XXXX/XXXX/19 {$840.00} XXXX/XXXX/19 {$830.00} XXXX/XXXX/19 {$940.00} XXXX/XXXX/19 {$880.00} XXXX/XXXX/19 {$900.00} XXXX/XXXX/19 {$810.00} XXXX/XXXX/19 {$940.00} XXXX/XXXX/19 {$900.00} XXXX/XXXX/19 {$900.00} XXXX/XXXX/19 {$870.00} Received notice from bank that due to prior business conducted with vendor ( XXXX XXXX ) the request to dismiss charges was denied. I did not make these purchases and have no knowledge of the locations the purchases were allegedly charged at. I have never been to the locations for the vendor including XXXX XXXX, New Jersey and XXXX NY. I was informed by T.D bank dispute claims department that no fraudulent activity was noted on account due to prior history shopping with vendor. I have never spent over {$50.00} within the past few months and don't understand how this happened. It has caused severe emotional, financial and physical duress/distress and would appreciate a full investigation on this case. 

Police report number XXXX has been filed and I can provide further documentation if necessary.
Consumer complaint received 2023-09-12
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. (NY)

Identity theft 3 account were opened in my name. Fraud reports and ftc reports already made Experian and XXXX did not remove these accounts after proof was given from authorities XXXX  XXXX XXXX Balance {$5800.00} XX/XX/2023 XXXX  XXXX XXXX Balance {$4700.00} XX/XX/2023 XXXX XXXX XXXX Balance {$6800.00} XX/XX/2023 XXXX
Consumer complaint received 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My credit report shows two hard inquiries dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX for a mortgage. I do not and have not had a mortgage through XXXX XXXX XXXX XXXX. My mortgage is and has been through XXXX XXXX. I have sent dispute letters to TransUnion requesting this information be removed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The organization refuses to remove the inaccurate items from my credit report. I called the customer service number on XX/XX/XXXX, was on hold for 45 minutes, and then was disconnected.
Consumer complaint received 2020-04-17
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. (TX)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$950.00}